Financial transfer system using a wearable device for simultaneously visually perceiving physical surroundings in a field of view of a user and visual outputs on a display of the wearable device

ABSTRACT

A mobile wireless device ( 100 ) in the configuration of user wearable glasses includes at least one lens including at least one transparent display ( 110 ). The at least one display is operable to provide visual outputs that are visually perceivable to the user of the device. The user is enabled to see through the at least one lens, physical surroundings in a direct field of view. The device includes at least one input device ( 116, 122, 114 ) which receives user inputs. At least one circuit is in operative connection with the at least one display, the at least one input device, a data store ( 106 ) and a wireless transceiver ( 120 ). At least one user input is operative to cause the device to communicate at least one wireless message which includes data usable to identify a financial account associated with the user. At least one remote circuit is operative responsive to the at least one wireless message to cause a financial transfer to or from the financial account.

TECHNICAL FIELD

This invention pertains to automated banking machines that arecontrolled responsive to data read from data bearing records such asuser cards and which scan and resolve data from documents such asfinancial checks or currency bills, which may be classified in U.S.Class 235, Subclass 379, Group Art Unit 2887.

BACKGROUND

Automated banking machines may include a card reader that operates toread data from a bearer record such as a user card. The automatedbanking machine may operate to cause the data read from the card to becompared with other computer stored data related to authorized users.The machine operates in response to the comparison determining that thebearer card corresponds to an authorized system user to carry out atleast one transaction which is operative to transfer value to or from atleast one account. A record of the transaction is also commonly printedthrough operation of the automated banking machine and provided to theuser. A common type of automated banking machine used by consumers is anautomated teller machine which enables consumers to carry out bankingtransactions. Banking transactions carried out may include thedispensing of cash, the making of deposits, the transfer of fundsbetween accounts, and account balance inquiries. Such machines mayadditionally receive, optically scan and resolve data from documentssuch as financial checks. The types of transactions a customer may carryout with an automated banking machine are determined by the capabilitiesof the particular machine and the programming associated with operatingthe machine.

Other types of automated banking machines may be operated by merchantsto carry out commercial transactions. These transactions may include,for example, the acceptance of deposit bags, the receipt of checks orother financial instruments, the dispensing of rolled coin or othertransactions that are required by merchants. Still other types ofautomated banking machines may be used by service providers in atransaction environment such as at a bank to carry out financialtransactions. Such transactions may include, for example, the countingand storage of currency notes or other financial instrument sheets, thedispensing of notes or other sheets, the imaging of checks or otherfinancial instruments and other types of service provider transactions.For purposes of this disclosure, an automated banking machine, anautomated transaction machine, an automated teller machine, or an ATMshall be deemed to include any machine that may be used toelectronically carry out transactions involving automated transfers ofvalue. Automated banking machines may benefit from improvements.

SUMMARY OF DISCLOSURE

An automated banking machine of an exemplary arrangement operatesresponsive at least in part to data read from data bearing records tocause financial transfers to or from financial accounts of machineusers. Other exemplary arrangements provide for improved user interfacesfor operation of automated banking machines. Other exemplaryarrangements enable persons to cause financial transfers by utilizingwearable mobile devices.

Other exemplary arrangements provide capabilities for enabling users toachieve a more sanitary operating environment in connection with itemsthat are provided by the machine. Other example arrangements provide forthe capability of dispensing articles which are produced and/orconfigured through operation of the machine, to include datarepresentative of value and which can be used or redeemed for goods orservices.

Further exemplary arrangements will be made apparent in the followingdescription of exemplary embodiments and the appended claims.

BRIEF DESCRIPTION OF DRAWINGS

FIG. 1 is a schematic view of a system of an exemplary arrangementincluding automated banking machines that are operated in response todata read from data bearing records.

FIG. 2 is a schematic view of the components of an exemplary automatedbanking machine.

FIG. 3 is a schematic view of steps carried out in operation of at leastone remote computer in connection with an exemplary banking machinesystem.

FIG. 4 is an alternative schematic view of steps executed by at leastone computer in connection with an automated banking machine system ofan exemplary arrangement.

FIG. 5 is an isometric view of an exemplary user wearable mobilewireless device.

FIG. 6 is a schematic view showing components of the wearable mobilewireless device operating in connection with components of an automatedbanking machine system.

FIG. 6A is a perspective view schematically representing viewing by auser of an output from a display of a wearable device, that is perceivedby the user as virtual currency bills being dispensed by a physicalautomated banking machine that also dispenses physical currency bills.

FIG. 6B is a view as perceived by a user of the wearable device, of thevirtual currency bills coming from the physical automated bankingmachine.

FIG. 6C is a view showing a virtual automated banking machine perceivedby a user wearing a wearable device.

FIG. 6D is a view showing a virtual automated banking machine perceivedby a user wearing a wearable device, receiving virtual currency billsinto the virtual machine.

FIG. 6E is a view showing a virtual automated banking machine perceivedby user wearing a wearable device, delivering virtual currency bills tothe user.

FIG. 6F is a view showing a service representative perceived by a userwearing a wearable mobile device.

FIG. 7 is a schematic view of components of an alternative exemplaryautomated banking machine that has the capability of producing orconfiguring an article for a user.

FIG. 8 is a schematic view of a 3D printer operated in connection witharticles dispensed from an exemplary automated banking machine.

FIG. 9 is a schematic view of an alternative arrangement of an automatedbanking machine that provides the capability for disinfecting itemsdispensed from the machine.

FIGS. 10-12 are schematic views demonstrating operation of the exemplaryautomated banking machine shown in FIG. 9 in connection with dispensingdisinfected items.

FIGS. 13-17 are a schematic representation of steps carried out by anexemplary controller of an automated banking machine in connection withdispensing disinfected items.

FIG. 18 is a schematic view of software architecture used in connectionwith an exemplary arrangement of an automated banking machine.

FIG. 19 is a schematic view of a controller and devices used in anexemplary automated banking machine.

FIGS. 20-23 are schematic representations of steps carried out by logicflow associated with automated banking machine transactions involvingquality cash.

FIG. 24 is a schematic representation of program logic carried out by anautomated banking machine that issues financial checks.

FIGS. 25-28 are a schematic view of program logic carried out inconnection with a transaction that involves a wearable computer.

FIGS. 29-31 are a schematic representation of program logic carried outin one or more computers in connection with delivering cash or otheritems to a user.

FIG. 32 is a schematic view of an automated banking machine whichcommunicates with mobile user devices.

FIG. 33 is a schematic view of an automated banking machine and systemthat provides displays for mobile computers and carries out multipletransaction types.

DETAILED DESCRIPTION OF EXEMPLARY EMBODIMENTS

Referring now to the drawings and particularly to FIG. 1 , there isshown therein an exemplary system 10. System 10 includes a plurality ofautomated banking machines 12, 14 and 16. Each of the automated bankingmachines of the exemplary system is operative to cause financialtransfers at least one of to or from user financial accounts responsiveat least in part to data read from data bearing records. It should beunderstood that these automated banking machines are exemplary and inother arrangements other types of automated banking machines may beused.

The components of the exemplary automated banking machine 12 are shownschematically in FIG. 2 . Automated banking machine 12 includes aplurality of transaction function devices 18. The exemplary transactionfunction devices in automated banking machine 12 include a card reader20. Card reader 20 is operative to read data from bearer records such asuser cards. The data read through operation of the card reader is usableto identify at least one financial account on which transactions at themachine are to be conducted. The exemplary arrangements may includemagnetic stripe card readers, chip type card readers, wireless type cardreaders or other types of contact or non-contact devices for readingarticles which include data that corresponds to financial accounts. Insome exemplary arrangements the automated banking machine may includecard readers and other features like those described in U.S. Pat. Nos.7,004,385; 7,284,692; 7,992,776; 7,992,778; and 8,540,142 thedisclosures of each of which are incorporated herein by reference intheir entirety.

The exemplary automated banking machine further includes a keypad 22.The exemplary machine includes a keypad having a plurality of manuallyactuatable keys that may be used by machine users to provide inputs.Inputs provided may include alphanumerical inputs or other types ofinputs as appropriate to be provided by users for operation of themachine. In exemplary embodiments the keypad may include an encryptingkeypad (alternatively referred to herein as an encrypting PIN pad orEPP) which includes internal circuitry that is operative to encryptinputs that are provided through the keys. Some exemplary arrangementsmay include features like those shown in U.S. Pat. Nos. 8,540,146;8,517,262; 7,904,713; 7,896,228; and/or 7,418,592 the disclosures ofeach of which are incorporated herein by reference in their entirety.

The exemplary automated banking machine 12 further includes a printer24. Printer 24 of the exemplary arrangement is operative to print paperdocuments for users of the machine. In some exemplary arrangements thepaper documents may include receipts for transactions conducted at themachine. In other exemplary arrangements the printer may be operative toprint other documents such as vouchers, scrip, checks, postage or otherfinancial instruments. Some exemplary arrangements may include featureslike those shown in U.S. Pat. No. 8,424,755 the disclosure of which isincorporated herein by reference in its entirety. Various types ofprinters may be used in exemplary arrangements such as impact printers,dot matrix printers, laser printers, thermal printers or other suitabletypes of printers for producing the documents desired to be produced bythe machine. It should be understood that some exemplary arrangementsmay include multiple different types of printers, each of which producedifferent types of documents that are provided to machine users.

The exemplary automated banking machine further includes a display 26.Display 26 is operative to provide visual outputs to users of themachine. The visual outputs in the exemplary embodiment includeinstructions to users concerning the operation of the machine. Displaysin some exemplary embodiments may include liquid crystal displays, CRTdisplays, OLED displays or other types of displays that are suitable forproviding visual outputs to users.

The exemplary automated banking machine 12 further includes a cashdispenser 28. In some exemplary arrangements the cash dispenser includesone or more mechanisms that are operative to make cash such as currencybills, coin or other currency items stored within the machineselectively available to users of the machine during the course oftransactions. In some exemplary arrangements cash dispensers may includemechanisms that operate to provide currency bills to users. For examplein some arrangements the cash dispenser and automated banking machinemay include features like those described in U.S. Pat. Nos. 8,128,083;7,261,236; 7,144,006; 6,981,638; and/or 6,945,526 the disclosures ofeach of which are incorporated herein by reference in their entirety.

Further in other arrangements the cash dispenser 28 may include acurrency recycling device. Such currency recycling devices may includefor example devices that enable a machine to receive currency bills fromusers, to validate the received currency bills as genuine, and storesuch bills within the machine for later dispense to other authorizedusers. For example some automated banking machines of exemplaryarrangements may include features like those shown in U.S. Pat. Nos.8,251,281; 8,191,771; 8,132,718; 7,992,775; 7,748,615; 7,891,554;7,971,781; 7,934,642; 6,682,068; 6,131,809; and/or 6,331,000 thedisclosures of each of which are incorporated herein by reference intheir entirety.

The exemplary automated banking machine further includes a plurality ofmanually actuatable function keys 30. In some exemplary embodiments thefunction keys may be disposed at locations adjacent to the display so asto enable users to manually actuate selected keys to make selectionsoutput through the display and to provide inputs to the machine.Alternatively other exemplary embodiments may include other types ofkeys for receiving inputs from users. Such keys may include otherarrangements for manually actuatable keys such as a keyboard or otherkey arrangement. Further in some exemplary arrangements the display mayinclude a touch screen type input device which may include visualrepresentations of keys which can be selected by authorized users toprovide inputs to the machine. Of course these types of keys areexemplary of input devices through which users may provide inputs to themachine.

The exemplary automated banking machine 12 further includes an inputdevice 32. Input device 32 in some embodiments includes a wirelessportal that is suitable for receiving and communicating wirelesssignals. This may include for example communicating signals via radiofrequency, infrared, Bluetooth™ or other signals that may be receivedfrom or communicated with portable wireless devices such as smartphones, portable tablet devices, wearable computers or other items.Further in other exemplary arrangements other types of communicationsdevices may be utilized for receiving inputs and providing outputs fromthe machine. Of course it should be understood that these transactionfunction devices 18 are exemplary and in other arrangements, other oradditional devices may be used.

The exemplary automated banking machine 12 includes at least onecontroller 34. The exemplary controller 34 includes one or more circuitswhich are operative to communicate electrical signals with and controlthe operation of transaction function devices 18. In the exemplaryarrangement the at least one controller 34 includes at least one circuitincluding a processor schematically indicated 36 and at least one datastore schematically indicated 38. In exemplary arrangements theprocessor may include a processor suitable for carrying out computerexecutable instructions that are stored in the one or more associateddatastores. The processor includes or is in connection with anon-volatile storage medium including instructions that include a basicinput/output system (BIOS). For example, the processors may correspondto one or more or a combination of a CPU, FPGA, ASIC or any otherintegrated circuit or other type of circuit that is capable ofprocessing data and instructions. The data stores may correspond to oneor more of volatile or non-volatile memories such as random accessmemory, flash memory, magnetic memory, optical memory, solid statememory or other devices that are operative to store computer executableinstructions and data. Processor executable instructions may includeinstructions in any of a plurality of programming languages and formatsincluding, without limitation, routines, subroutines, programs, threadsof execution, objects, methodologies and functions which carry out theactions such as those described herein. Structures for processors mayinclude, correspond to and utilize the principles described in thetextbook entitled Microprocessor Architecture, Programming, andApplications with the 8085 by Ramesh S. Gaonker (Prentice Hall, 2002),which is incorporated herein by reference in its entirety.

The exemplary arrangements may include, for example, processors producedby Intel Corporation such as Intel Pentium processors or Intel iCoreseries processors. Of course it should be understood that theseprocessors are exemplary of many types of processors that may be used.

The exemplary data stores used in connection with exemplary embodimentsmay include any one or more of several types of mediums suitable forholding computer executable instructions. This may include, for example,magnetic media, optical media, solid state media or other types of mediasuch as RAM, ROM, PROMs, flash memory, computer hard drives or any otherform of media suitable for holding data and computer executableinstructions. Some exemplary embodiments may include features like thosedescribed in U.S. Pat. No. 8,474,698 the disclosure of which isincorporated herein by reference in its entirety. Exemplary controllersmay include other components such as hardware and/or software interfacesfor communication with the transaction function devices and externalsystems and devices.

The exemplary automated banking machine 12 further includes at least oneinterface 40. Interface 40 may include, for example, a suitable networkinterface that enables communication between the at least one controller34 in the banking machine and one or more networks schematicallyindicated 42. Interface 40 may include one or more circuits whichinclude electrical components suitable to communicate with wired,optical or wireless networks as appropriate for purposes of providingcommunications with the machine.

As shown in FIGS. 1 and 2 automated banking machine 12 may communicatethrough one or more networks 42 with one or more host computersschematically indicated 44. First computer 44 includes at least oneprocessor schematically represented 46 which is in operative connectionwith at least one data store schematically indicated 48. The processorsand data store associated with host computer 44 is operative to carryout computer executable instructions that are stored in at least onedata store.

As represented in FIG. 1 in the exemplary arrangement, host computer 44is in operative communication through one or more networks 50 withfinancial transaction servers 52, 54 and 56. Each of servers 52, 54 and56 each include at least one processor and at least one associated datastore as schematically shown.

In the exemplary arrangement the system further includes at least oneremote computer 58. In the exemplary arrangement at least one remotecomputer 58 is in operative communication with the system throughnetwork 50. Remote computer 58 includes at least one processor and atleast one data store as schematically shown. Further in the exemplaryarrangement remote computer 58 is also in operative connection withother networks such as network 60 that is schematically shown, as wellas other servers 62. Further in the exemplary arrangement the at leastone remote computer 58 may be in operative connection with wirelesscommunication networks as schematically indicated 64 as well as othertypes of public or private networks. The configuration of the particularsystem will depend on the nature of the system and the types oftransactions to be conducted.

In operation of the exemplary arrangement a user at an automated bankingmachine such as automated banking machine 12 is enabled to carry outtransactions involving a user's financial account. This is accomplishedin the exemplary arrangement by a user providing to the card reader ofthe machine, a suitable card such as a credit or debit card thatincludes card data that is usable to identify the financial accountassociated with the user. The controller 34 of the exemplary automatedbanking machine is operative in accordance with its programming to causethe card reader to read the data from the user card. The controllerfurther operates to cause the display to output indicia that prompts auser to input other identifying data to the machine such as a personalidentification number (PIN) through the keypad 22 of the machine. Thecontroller then operates to cause the user input PIN or otheridentifying data to be received through the keypad. Alternatively insome arrangements other or additional identifying data may be received.Such data may include biometric data such as a fingerprint input throughan input device such as a fingerprint reader. Other identifying data mayinclude a facial recognition scan, an iris scan, a retina scan, voicerecognition or other suitable identifying data that may be input via aninput device which can receive such inputs. For purposes hereof each ofsuch types of user identifying input data will be referred to as a PIN.

In the exemplary arrangement the controller 34 operates in accordancewith its associated programming to cause the display to output messagesto the user which ask the user to select the type of transaction thatthey wish to conduct through operation of the machine. For purposes ofthis example, the user will select a cash dispense transaction which theuser indicates by providing inputs by pressing the appropriate keys 30of the machine. In the exemplary arrangement, in response to the userselecting a cash dispense transaction, the at least one controller 34operates to provide outputs through the display to the user promptingthe user to input the amount of cash they wish to have dispensed inconnection with the transaction. The controller then operates to causethe user input amount to be received through operation of the keypad 22or other user input device of the machine.

In response to receiving these items of information from the machineuser, the exemplary controller 34 operates in accordance with itsprogramming to cause one or more messages to be sent to the host 44. Themessages sent to the host 44 are transmitted through the networkinterface 40 and through the one or more networks 42 to the host 44. Themessages sent by the automated banking machine to the host include datacorresponding to the inputs provided by the user to the machine.

In the exemplary arrangement the host 44 operates in accordance with itsprogramming to determine if the data read from the user card correspondsto a user financial account that is authorized to conduct a transactionat the machine. This is accomplished in the exemplary arrangement by theprocessor 46 of the host 44 determining if the card data corresponds todata stored in the one or more data stores 48 associated with the host.In this exemplary arrangement if the data read from the user cardcorresponds to an account that is authorized to conduct a transactionthrough operation of the machine, the host then determines if thecustomer input PIN corresponds to user identifying data associated withthat particular account. This is accomplished by comparing datacorresponding to the input PIN to data stored in the at least one datastore 48. Thereafter if the PIN data that is input corresponds to thePIN associated with the account, the host computer then operates inaccordance with its programming to determine if the financial account ofthe machine user includes a balance that is at least equal to the amountthat the user has requested to be dispensed from the automated bankingmachine. The host computer does this by comparing the financial accountdata stored in one or more data stores regarding the balance in theaccount to the amount requested by the machine user.

If the host computer determines that the card data and PIN data areauthorized and that the user's account has sufficient funds to enablethe user to withdraw the amount requested, the host then operates inaccordance with its programming to send one or more messages to theautomated banking machine. The messages sent by the host computer areindicative that the transaction requested by the user is authorized tobe carried out. Of course it should be understood that in the event thatthe card data does not correspond to the account of a user authorized toconduct a transaction at the machine or if the PIN data is notappropriate for that account, then the host computer will send one ormore messages to the machine that indicate that the transaction is notauthorized. Likewise if the host computer determines that the user doesnot have a suitable balance in their account to cover the requested cashwithdrawal, the host computer will likewise send one or more messagesindicating that the transaction is not authorized. In cases where it isindicated that the transaction is not authorized, the at least onecontroller 34 operates in accordance with its programming to provide oneor more outputs through the display 26 to indicate to the user that thetransaction is declined. The exemplary controller further operates inaccordance with its programming to return the user's card to the userthrough operation of the card reader. Thereafter the machine returns tothe waiting state to conduct another transaction that will start withthe input of another card.

In the exemplary arrangement if the one or more messages sent by thehost to the automated banking machine indicate that the transaction isauthorized, the at least one controller 34 operates in accordance withits programming to cause the cash dispenser to operate. The cashdispenser is operated to make available to the user of the machine, cashcorresponding to the amount of cash that the user has requested. Theexemplary controller also operates in accordance with its programming tocause the printer 24 of the machine to operate to produce a receipt forthe user which indicates the details of the transaction including thevalue of the cash dispensed.

In the exemplary arrangement the controller 34 also includes one or morerecords in its data store 38 regarding the carrying out of thetransaction and the fact that the cash was dispensed. Further thecontroller operates in accordance with its programming to send one ormore messages to the host computer 44 to indicate that the cash dispensewas successfully carried out for the user. In response to the receipt ofsuch messages, the exemplary host operates in accordance with itsprogramming to assess a charge to the user's account corresponding tothe value of the cash dispensed.

Of course the process described is utilized for authorizing transactionsin situations where host 44 has access to the data necessary toauthorize financial transfers for the particular user at the machine. Insome exemplary transactions, the host 44 may not have direct access tothe data associated with the particular user's account that issufficient to authorize the user's requested transaction. In sucharrangements when the host 44 receives the data related to the requestedtransaction, the host 44 will operate in accordance with its programmingto determine that it does not have the capability to determine whetherthe transaction requested should be authorized. In such arrangements thehost 44 operates in accordance with its programming to route thetransaction data in one or more messages to the appropriate network suchas network 50 which includes the remote server such as server 52, 54 or56 that can determine whether the transaction should be authorized.

In the exemplary arrangements the transaction data routed to theappropriate remote server is then analyzed in a manner like thatpreviously described in connection with host 44 to determine if the carddata corresponds to an account that is authorized to conduct atransaction through operation of the machine. Further the appropriateremote server operates in accordance with its programming to determineif the customer input PIN corresponds to an authorized user of theaccount and whether the user account has sufficient funds to cover therequested cash withdrawal. The remote server then operates in accordancewith its programming to communicate through the network 50 to the host44, messages which include information on whether the transactionrequested is to be authorized or denied. The host 44 then communicatesthe appropriate messages to the machine. If the transaction isauthorized, the machine communicates that it successfully carried outthe transaction to the host 44. The host 44 then communicates thisinformation through the one or more networks 50 to the appropriateremote server. The server then causes the user's account to be assessedan amount corresponding to the value of the cash dispensed.

It should be understood that the approaches described are exemplary. Inaddition other types of transactions such as deposits, account balanceinquiries, check deposit transactions, check cashing transactions,converting electronic value stored on a mobile device to cash or viceversa, cash accepting transactions, or other types of transactions maybe conducted in other exemplary embodiments. Further exemplary systemsmay include features like those described in the following U.S. Patents,the disclosures of which are incorporated herein by reference in theirentirety: U.S. Pat. No. 10,825,005; 9,520,034; 8,365,985; 8,376,219;8,336,769; 7,934,644; 7,857,208; 7,844,512; 7,819,309; 7,689,509;7,653,601; 7,582,944; 7,533,805; and 6,966,487.

In some exemplary embodiments the at least one remote computer 58operates to identify situations where fraudulent transactions may beoccurring. For example in some situations where card data and PIN datafor a financial account has been stolen by criminals, numerousfraudulent cards may be produced by criminals in different parts of thecountry or in various countries of the world. These criminals mayconduct numerous frequent transactions on the account until the accountbalance is depleted. Often these transactions may be occurring atnumerous different automated banking machines or at other types ofterminals where value is given, such as at a point of sale or service indiverse locations. The fact that numerous transactions are occurring inrapid succession on a given account may not be realized until after thecriminals have successfully depleted a significant portion of the fundsin the account for which the card and/or PIN data or other authorizeduser data that enables carrying out transactions has been stolen.

In the exemplary arrangement at least one remote computer 58 is operatedto identify situations where transactions are occurring on a particularaccount and to provide an alert message in the event a particularaccount is having an abnormally high number of transactions attemptedthereon. By determining that a particular account is experiencing anabnormally high level of activity, the remote computer can provide thealert message so as to enable the entity which holds the account to takeappropriate action such as to suspend all further transaction activity.Further in the exemplary arrangement the at least one remote computerdoes not have the capability to identify the account number or otherdata for the particular account. Rather the remote computer receivesencrypted or other data which is unique to each account but which cannotbe utilized to determine the actual account number. Thus the at leastone remote computer does not have the associated security risks thatwould be associated with having such actual account data transmittedthereto over wide area networks, or even public networks, which may beaccessed by unauthorized persons.

In the exemplary arrangement the host computer 44 as well as each of theremote servers, for example servers 52, 54 and 56, each have associatedprogramming that operates to produce encrypted data that corresponds tothe account number data for each transaction that is requested at anautomated banking machine. In exemplary arrangements the encrypted datamay correspond to a one-way hash or other algorithmic result that isproduced from the account number data either alone or in combinationwith other data. The algorithmic result that is produced results inencrypted data that in the exemplary embodiment is unique to theparticular account number, but that may not be used to resolve theaccount number except by the particular computer that produced theencrypted data. In some exemplary arrangements the encrypted data may beused directly for purposes of comparison while in other arrangements theencrypted data may need to be mathematically manipulated using othervalues in order to resolve data that may be compared to other data toidentify a common account. Further in the exemplary arrangements thehost computer 44 and other servers may operate to provide securecommunication through the one or more networks 50 with the at least oneremote computer 58. Such secure remote communication may include variousapproaches such as secure socket layer communications or public keycryptography that ensures that the encrypted data sent from theoriginating computer is multiply encrypted and can only deliver theencrypted data to the at least one remote computer 58. Of course theseapproaches are exemplary and in other arrangements other approaches maybe used.

Logic carried out by the at least one remote computer 58 is representedschematically in FIG. 3 . In the exemplary arrangement the at least oneremote computer operates to receive the encrypted data from the hostcomputer or server that has received a transaction request related to anaccount. This is represented by a step 66. The at least one computerthen operates in accordance with its programming to review the receivedencrypted data and to calculate the number of other transactions inwhich the same or corresponding encrypted data that corresponds to thesame account has been received within a prior time period. This mayinclude, for example, a time period which is a rolling window, such asthe previous one hour. This is represented by a step 68. Of course itshould be understood that this approach is exemplary and in otherarrangements other calculations may be made, such as a total number oftransactions that have been conducted on the particular account, theelapsed time since the last transaction or the number of transactionsthat were conducted within a fixed time window. Various approaches maybe taken depending on the particular analysis to be conducted toidentify an abnormal situation which represents a possible circumstanceinvolving stolen card data.

In the exemplary arrangement the at least one remote computer 58operates in accordance with its programming to determine based on thecalculated number of transactions, whether the transaction count hasexceeded a programmed threshold. This is represented in a step 70. Ifthe number of occurrences of receipt of the encrypted data whichrepresents the number of transactions carried out on a particularaccount, does not exceed the threshold based on the receipt of the mostrecent occurrence, the computer operates in accordance with itsprogramming to defer any action. However, in the event that the numberof transactions has exceeded the programmed threshold within the setrolling time window, the at least one computer operates to generate oneor more messages or statuses which comprise an alert. This isrepresented by a step 72. In some exemplary arrangements the at leastone computer may be operated to respond promptly to the receivedencrypted data so as to indicate to the server or host computergenerating the encrypted data that there is a possible problem. Thisreceived data is usable by the server or host computer to cause a denialof the then pending transaction and/or further transactions which arerequested on the account. In alternative arrangements other analysis inaccordance with the programming of the remote computer 58 may beconducted. This may include for example evaluating the timing betweensuccessive transactions. In this case the computer determines iftransactions are happening more quickly than a threshold, and if so,generates a signal corresponding to an alert. In some embodiments thecomputer may monitor and evaluate multiple factors in determiningwhether to generate an alert.

Further in the exemplary arrangement responsive to the generation of thealert, the at least one remote computer 58 is operative to send the datacorresponding to the encrypted data to other computers operativelyconnected in the system that might receive transaction requests relatedto the account. The sending of this encrypted data to the computerscauses the computers to operate in accordance with their programming tostore in their associated data stores the encrypted data or other datathat is produced when a transaction on that account is requested. Thusby holding the data corresponding to the encrypted data or data that canbe used to identify a transaction requested on the same account in theone or more data stores associated with the servers 52, 54 and 56 aswell as host 44, such systems may immediately take appropriate steps inaccordance with their programming, such as to deny a transactionwhenever a transaction on an account is requested and the mathematicalmanipulation of that account data to produce encrypted data correspondsto the encrypted data for which the alert has been generated. Further insome exemplary systems the receipt of the alert message and encrypteddata which can be used to identify transactions which may be suspect,may be utilized by the hosts, servers and remote computer to take stepsto try to minimize loss associated with the possible fraudulenttransactions. This may include, for example, notifying authorities ofthe particular transactions which were conducted recently on the accountand/or the locations where such transactions occurred. It may alsoinclude storing and/or transmitting video surveillance data or takingother appropriate steps that may be useful to identify and apprehendcriminals who may be conducting fraudulent transactions on the account.

In the exemplary arrangement the at least one remote computer 58 isoperative to maintain the alert status associated with the particularencrypted data until certain programmed steps are taken. For example,such status may be maintained until the at least one remote computerreceives messages that the alert status associated with that particularencrypted data should no longer be maintained. This is represented bythe step 76.

Of course it should be understood that the foregoing approach toidentifying a possible situation where account data has been stolen andis being used fraudulently is exemplary, and in other embodiments otherapproaches may be used. This may include, for example, includingsuitable programming in the at least one controller 34 associated witheach automated banking machine. Thus for example the controller may beprogrammed to produce the encrypted data directly and to send thisencrypted data either through the associated host or through otherconnected networks to the at least one remote computer which identifiesthe possible occurrences of fraudulent transactions on a stolen account.In addition as previously mentioned, in other exemplary systems, ratherthan having a common approach to producing encrypted data where the samedata corresponds to a common account, other approaches may be taken soas to send other data which can be resolved through appropriateprogrammed steps executed by the at least one remote computer 58 toidentify that the encrypted data sent from different sources correspondsto a common account. This may be done, for example, by programming ofthe automated banking machines, the host computer and the servers indifferent ways to produce the encrypted data, and by providingprogramming that enables the at least one remote computer to identifythat the different types of encrypted data correspond to one particularaccount. Further these approaches are useful in the exemplary embodimentbecause with the remote computer being incapable of determining theactual financial account data from the encrypted data, the financialaccount data remains secure. This is true even if the encrypted data istransmitted through an insecure network such as the Internet. Of courseit should be understood that these approaches are exemplary and in otherembodiments, other approaches may be used. FIG. 4 shows an alternativearrangement in which one or more computers 58 may be operated toidentify unauthorized transactions, as well as circumstances whereaccount data may be stolen. In this exemplary arrangement transactionsare carried out on the account using a mobile wireless device such as asmart phone 78 represented schematically in FIG. 1 . It should beunderstood that in exemplary arrangements a wireless device maycorrespond to other types of devices such as tablet computers orwearable computers which are usable by consumers to conduct transactionsat an automated banking machine. Alternatively the wireless device maycorrespond to an article associated with a user such as a user's vehiclewhich incorporates one or more computers within the circuitry thereof.

In the exemplary arrangement the mobile wireless device is operative tocause data corresponding to the financial account to be sent to theautomated banking machine at which the user wishes to conduct atransaction. This may be done, for example, by the mobile wirelessdevice sending data from the device wirelessly through the input device32 of the automated banking machine. The mobile device may be operativeto cause the automated banking machine to receive data that is usable toidentify a financial account. This may be done, for example, in somearrangements by the mobile device sending the automated banking machinedata which corresponds to an account number directly. Alternatively insome arrangements the mobile wireless device may cause communicationswith other systems which then cause the automated banking machine toreceive data which corresponds to or is usable to resolve the accountnumber. For example in some exemplary arrangements systems may includefeatures like those described in the following U.S. Patents which areincorporated herein by reference in their entirety: U.S. Pat. Nos.8,281,989; 8,376,221; 8,474,707; 8,052,048; 7,216,800; 7,201,313; and8,480,307. Of course these approaches are exemplary and in otherarrangements other approaches may be used.

In the exemplary arrangement at least one processor included incircuitry of the mobile wireless device 78 may operate in accordancewith its programming to cause encrypted data that corresponds to thefinancial account on which a transaction is to be conducted to be sentto the at least one remote computer. This may be done for examplethrough communication via wireless networks 64. Further as the automatedbanking machine host computer or server which receives the requestedtransaction also sends encrypted data that corresponds to the account,this enables the at least one remote computer to identify a common pairof communications having encrypted data that are both received close intime for each authorized transaction. The at least one remote computer58 is programmed to identify circumstances where both instances of theencrypted data for the given transaction have not been received and toidentify such circumstances as a possible situation where a fraudulenttransaction may be occurring. The logic associated with such a remotecomputer that identifies such circumstances is represented in FIG. 4 .

In this exemplary arrangement the at least one remote computer 58receives the encrypted data associated with the account either from themobile wireless device, server, host or automated banking machine asrepresented in step 80. As in the prior example the at least one remotecomputer that operates to calculate the number of transactions indicatedas attempted on that account within a given time period. This isrepresented by a step 82. If the number of transactions is determined tohave exceeded the threshold, as represented in a step 84, the at leastone computer executes steps similar to those in the prior example. Theseinclude generating an alert, sending the encrypted data to the remotesystems and holding the alert status until it is reset. This isrepresented in steps 86, 88 and 90 respectively.

In this exemplary arrangement, in situations where the at least oneremote computer is expecting to receive two paired messages in closelyspaced time relation in order to indicate that a transaction isauthorized, the at least one computer operates in accordance with itsprogramming to determine if the two paired messages associated with theone transaction were received. This is accomplished by the at least oneremote computer comparing the messages received with the encrypted datathat corresponds to the particular account and the timing associatedwith the receipt thereof. This is represented in a step 92. Adetermination is made in a step 94 concerning whether the two pairedmessages for the common transaction were received. If the two pairedmessages for the single transaction were received close in time as wouldbe normally expected, then the at least one remote computer 58 operatesin accordance with its programming to not indicate that there is aproblem. In the exemplary arrangement the at least one remote computeroperates in accordance with its programming to adjust the transactioncount of transactions on the account to accommodate that two messagesare received for each transaction. This is represented in a step 96.Thereafter the at least one remote computer operates to continue tomonitor for any potentially problematic conditions.

However, if in the step 94 it is determined that paired messages fromthe mobile wireless device and from the automated banking machine, hostcomputer or server computer receiving the transaction request were notboth received, the computer operates in accordance with its programmingto identify an abnormal condition and to generate an alert. This isrepresented in a step 98. As can be appreciated, the absence of bothmessages of the expected pair may represent a circumstance where atransaction has been attempted by a criminal or unauthorized person whois not using the authorized mobile wireless device, but is insteadproviding the account data from an unauthorized source such as acounterfeit card or other fraudulent input device. Alternatively thecondition may represent the circumstance where criminals have set up afraudulent terminal to receive transaction data so as to capture thedata for purposes of conducting fraudulent transactions. In either casethese circumstances represent a suspect condition.

In the exemplary arrangement the computer operates in accordance withits programming to identify that there is an abnormal conditionassociated with the account as appropriate to the other computers in thesystems. This will enable such computers to identify further attemptedtransactions on the account and to deny them in accordance with theirprogramming. Further the at least one computer operates in accordancewith its programming to hold the alert status associated with theaccount until it is reset.

Of course it should be understood that these approaches are exemplaryand in other embodiments, other additional steps and arrangements may betaken similar to those described herein for purposes of identifyingsuspect transactions and for denying such transactions and reportingcriminal activity.

FIG. 5 shows an exemplary arrangement of a mobile wireless devicegenerally indicated 100 that may be used in connection with an automatedbanking machine or otherwise for purposes of carrying out financialtransactions. Device 100 may alternatively be referred to herein as aportable wireless device. The exemplary device 100 is configured as awearable device and specifically wearable glasses. However, it should beunderstood that in other arrangements other configurations of devicesmay be used. For example, configurations similar to that of a wristwatch, a medallion or a hat or other item of clothing may be used. Theexemplary embodiment of wearable device 100 includes at least onecircuit which is operative to control the operation of devices that areincluded as part of the mobile wireless device. The at least one circuitdesignated 102 in FIG. 6 includes at least one processor 104 and atleast one associated data store 106 which may be of the types previouslydescribed.

The exemplary arrangement further includes a source of electrical powersuch as a battery 108. The exemplary arrangement further includes atleast one generally transparent display 110, an outward facing camera112 and an inward facing camera 114. In exemplary embodiments thetransparent display may include both lenses of the glasses. This enablesthe user wearing the glasses to perceive visually the physicalsurroundings in a direct field of view and also visual outputs throughthe display. As the user may perceive both physical items in theirdirect field of view as well as items displayed on the transparentdisplay, the wearable device comprises augmented reality glasses. Theexemplary embodiment further includes a microphone 116 and a speaker118. The exemplary embodiment further includes at least one wirelesscommunication device referred to herein as a portable wirelesstransmitter 120. The wireless transmitter 120 is suitable fortransmitting wireless signals between the mobile wireless device 100 andother devices. The wireless transmitter 120 may include a short rangewireless transmitter such as a short range RF transceiver or aBluetooth™ transceiver. Alternatively the at least one wirelesstransmitter may include an infrared transceiver. Alternatively thewireless transmitter may include a transceiver suitable forcommunication via a cellular telephone network, WiFi or other wirelessnetwork. Further in some arrangements of the mobile wireless device theapparatus may include multiple types of wireless transceivers dependingon the nature of the communications to be carried out through operationof the device.

As represented in FIG. 6 , exemplary embodiments of the mobile wirelessdevice may operate to carry out financial transfers. This may be donethrough communication with an automated banking machine in one of theways described in the incorporated disclosures. In other arrangementsthe mobile wireless device may cause financial transfers throughcommunications either directly or through an intermediate device such asa smart phone via a cellular network, a local wireless network or otherlocal or wide area network. The exemplary mobile wireless device isoperative to include data in its data store or is enabled to accessremote data that is usable to identify a financial account. In theexemplary arrangement the data store of the mobile wireless device alsoincludes data that corresponds to a user biometric feature. In someexemplary arrangements this may include programming in the data storethat includes data that corresponds to the topography of an authorizeduser's iris topography of one or both of the user's eyes. The user'siris topography uniquely identifies the authorized user and can becaptured through the use of at least one inward facing camera 114.Further in some exemplary arrangements the mobile device may includemultiple inward facing cameras or other cameras that can capture iristopography of both irises of the authorized user. In addition or in thealternative other mobile devices may include capabilities foridentifying a user's facial topography, retina features and/or otherbiometric features that can be utilized to identify the user.

Responsive to the inward facing camera or cameras 114 capturing datacorresponding to the user's iris topography or other identifying data,the circuitry 102 may operate in accordance with its programming toverify that the mobile device is being operated by the authorized user.This may be done by comparing captured electronic image data to storeddata to determine whether there is correspondence or anotherpredetermined relationship which indicates the user is an authorizeduser. Responsive to such verification determination the authorized usermay then provide instructions to the mobile device in connection withcarrying out a financial transaction and the mobile device will operatein accordance with its programming to execute instructions responsive tosuch commands. This may be accomplished in some exemplary arrangementsby the user providing spoken commands that are received by themicrophone 116 and determined as transaction related inputs throughoperation of the control circuit 102. Alternatively the user may bepresented with menu options or similar options through the display 110,which options the user may select. Selections may be made and input insome embodiments by providing spoken commands that correspond to theoptions. Alternatively the user may provide selected inputs which enableselecting transaction options output on the display through moving afinger along a tactile sensing bar or other similar input device 122. Instill other exemplary arrangements the user may provide inputs througheye movements or line of sight determinations which are detected by theone or more inward facing cameras 114. This may be done for example byutilizing features such as those described in U.S. Pat. Nos. 8,220,706and/or 8,883,008 the disclosures of which are incorporated herein byreference in their entirety. For example in some exemplary arrangementsthe circuitry connected with the at least one camera 114 may determine alocation where a user eye is looking on the display 10. By determiningwhat particular transaction selections or options the user is lookingat, the control circuitry may determine user provided inputs. Forexample in some instances the user may look at a particular selectionbeing provided on the display and designate that selection by blinkingone eye or both eyes. When this is done the control circuitry may thenoperate to provide additional outputs and/or messages that enablecarrying out the transaction selected by the user.

As represented in FIG. 6 , the mobile wireless device 100 may be usedfor example to send data associated with a user desired transaction toan automated banking machine 124. Such data may include data such ascard data that is usable to identify a user's account. Such data may bestored in the at least one data store 106 and then transmittedwirelessly to the machine. Further in some arrangements the user mayselect through the mobile wireless device an account, a transaction typeand/or an amount associated with a transaction that they wish toconduct. Data corresponding to these items of information may beincluded in messages transmitted to the automated banking machine andreceived through a wireless portal on the machine. This may be done inany one of several ways that are described in the incorporateddisclosures or in another suitable manner.

Alternatively in some arrangements the mobile wireless device 100 maycommunicate data to at least the server referred to herein as a server126 that is remote from the automated banking machine. The server 126may utilize the data sent from the mobile wireless device to resolvetransaction data that is needed by the automated banking machine tocarry out the transaction. This may include, for example, account dataor other data such as amount data, PIN data or other data that is neededby the machine 124 for purposes of carrying out the transaction. Thisdata may be transmitted from the server 126 to the machine through oneor more networks 128. This approach may be utilized, for example, whenthe mobile device does not include data that directly corresponds to theaccount information, but rather pseudo data that may be utilized by oneor more remote servers to determine the actual account information. Thusfor example server 126 may include in its associated data store, datathat associates the pseudo data that is provided from the mobilewireless device with the actual account data. The actual account datamay then be sent in an encrypted and secure manner to the automatedbanking machine. This approach may avoid the need, for example, for themobile wireless device to have included in its data store actual accountnumber data.

Also in other alternative arrangements the mobile wireless device mayuse its outward facing camera 112 to capture data that is output on thedisplay or other output device of the automated banking machine. Suchoutput data may be used in the manner of the incorporated disclosures toidentify a particular machine at which a transaction is to be conducted.This identifying data or data based thereon may then be transmitted tothe remote server so as to enable user operation of the automatedbanking machine. Alternatively or in addition data captured through theoutward facing camera of the mobile device may correspond to values,functions and/or instructions that may be utilized for purposes ofencrypting account data that is stored in a data store of the mobilewireless device. For example, bar codes such as QR codes output througha banking machine display may provide values or instructions utilizedfor purposes of encryption of account data. Such encrypted account datamay then be sent to either the automated banking machine and/or theremote server for purposes of securing the account data to reduce therisk that it can be intercepted during the transaction. This may be donea number of different ways including those described in the incorporateddisclosures as well as in other suitable ways depending on theparticular operation of the system.

In this manner a user may accomplish transaction steps through thewearable mobile wireless device or other user device for purposes ofcarrying out financial transfers. Further it should be understood thatalthough in the exemplary arrangement the mobile wireless device is usedin connection with an automated banking machine to accomplishtransactions, in other arrangements other devices and systems may beutilized and messages from the mobile wireless device may accomplishfinancial transfers, account balance checking, bill payment, checkcapture or other desired transaction operations. For example in someexemplary embodiments the mobile wireless device may utilize an outwardfacing camera for purposes of capturing an image of a check. The usermay provide instructions either verbally or through input devices tocapture the image of the check and then cause the check to be depositedin the user's account. This may be done, for example, in the mannershown in U.S. Pat. Nos. 8,418,916; 8,286,867; and/or 8,104,676 thedisclosures of each of which are incorporated herein by reference intheir entirety. Further in other exemplary embodiments datacorresponding to electronic tickets or other items representative ofvalue may be loaded into the memory of the mobile device. This may bedone, for example, through capturing images thereof through the outwardfacing camera or otherwise through transmission wirelessly to thedevice. The mobile wireless device may thereafter be utilized totransmit data which may be utilized for purposes of redeeming orutilizing the items of value. This may be done, for example, throughapproaches described in U.S. Pat. No. 8,387,864 the disclosure of whichis incorporated herein by reference in its entirety. Of course theseapproaches are exemplary, and in other embodiments other approaches maybe used.

Further other exemplary arrangements of the mobile wireless device maybe useful to accomplish other transaction functions. For example in someexemplary arrangements the circuitry associated with the mobile devicemay be programmed to identify genuine items of value such as currencybills. This may include, for example, executable program steps that areusable to verify that visible and/or other sensor perceivableauthentication features are present in a particular currency bill. Thus,for example, a user may operate the mobile wireless device to captureone or more images of a currency bill through operation of the outwardfacing camera 112. This may be done, for example, by the programmedinstructions associated with the mobile device instructing a userthrough audible prompts or the visual outputs through display 110 tolook at certain features on a currency bill. The control circuitry ofthe mobile wireless device may operate to utilize the eye trackingcapability to monitor the eye or eyes of a user to director analyzeareas in the field of view of the outward facing camera at which theuser is looking, to a series of features that may identify a currencybill as genuine. In this way the front and/or back of a currency billmay be analyzed to verify that indicia or other visible featuresindicative of genuineness of the bill are present. In additionalternative exemplary arrangements may include infrared, ultravioletand/or spaced cameras for purposes of capturing images of authenticityfeatures. Alternatively a user may be prompted to take certain stepswith one or more separate devices. This can include illuminating certainareas with radiation at certain frequencies, tilting the bill, bringingthe bill closer to the camera to detect features or testing for magneticor other sensed properties. The camera may capture features orindications of properties or characteristics that are indicative ofwhether notes are genuine. This approach may be utilized in someexemplary arrangements to enable a user to identify counterfeit orsuspect notes that a user receives in a transaction environment and todecline such notes as may appear to be suspect.

Further in some example arrangements the wireless communicationcapability of the mobile wireless device may enable the user to operatethe mobile device to analyze, verify or record data in one or more datastores that correspond to the genuine or suspect status of currencybills that are analyzed through operation of the mobile device. Thus inthis manner the user can avoid accepting counterfeit currency bills thatmay be attempted to be passed to the user.

Alternatively or in addition the mobile wireless device may be operativeto verify the authenticity of other items or documents. This mayinclude, for example, the capability to identify the genuineness of acredit or debit card through analysis of the visual or other non-contactsensor detectable features included thereon. Thus for example a merchantwho wishes to accept a credit or debit card may utilize the mobilewireless device to analyze the features that are on the card includingholograms, security codes, or other features that identify the card asgenuine. Further in some arrangements such cards or other items mayinclude wireless transmitters or other similar items, such as RFID tagsthat can be utilized to output signals which can indicate that the cardor other item is genuine. The mobile device may include appropriatesensors to capture and analyze such signals and properties and mayoperate one or circuits that include processors to determine if the cardor other item is genuine.

Further in some exemplary embodiments the mobile wireless device cancapture image data from the card or other record including for exampleaccount number data, verification codes, name data or other items thatare usable to carry out a financial transaction. In such arrangements,for example, an operator of the mobile wireless device may utilize themobile wireless device to obtain the data from a card that is necessaryto identify the particular account with which the card is associated andalso to verify the genuineness of the card. In this manner by providinginstructions to the mobile wireless device, the operator of the deviceis enabled to accept payments or otherwise accomplish functions thatinvolve a transfer to or from the account associated with the particularcard. Such an approach may enable the operator of the mobile wirelessdevice to accomplish the acceptance of credit card and/or debit cardpayments without a need to have a separate terminal that operates toreceive the card, read data from a stripe or computer chip on the card,or otherwise to identify the particular card as genuine and authorizedto conduct the transaction.

In still other exemplary arrangements, the mobile device may be utilizedto identify features which are indicative of authenticity on articleswhich are items of value such as event tickets, gaming tickets, lotterytickets, coupons, vouchers, scrip or other items. In this manner themobile wireless device may be programmed to utilize image data and/orother data which can be visually or wirelessly read by the device, orwith the aid of another device, to determine the genuineness of sucharticles. Of course these approaches are exemplary and in otherembodiments other approaches may be used.

In still other arrangements the mobile device may be utilized to provideuseful features in connection with conducting transactions intransaction environments where cash or other items of value are acceptedby merchants or similar entities. For example in some establishments,merchants may prefer to receive cash payments for the goods and servicesthey provide. Cash payments have the advantages that they avoid therisks and costs that may be associated with taking payments by eithercredit or debit cards. Some establishments even provide automatedbanking machines that dispense cash within their establishment so thatusers can readily obtain cash for purposes of making purchases. However,such automated banking machines that dispense cash in merchantestablishments may commonly charge a fee for purposes of conducting thetransaction. This fee may be several dollars in some cases.

In order to facilitate the use of cash in some transaction environments,the establishment may be able to track the serial numbers of currencybills that are dispensed from an automated banking machine to patronswithin the establishment. This may be done using features like thosedescribed in U.S. Pat. No. 8,474,708, the disclosure of which isincorporated herein by reference in its entirety. In such arrangementsthe serial numbers or other machine readable indicia associated withdispensed bills may be stored in a data store associated with one ormore computer devices that are accessible by the wearable computerdevices worn by employees who are bill recipients within theestablishment. Such mobile wearable computer devices may utilizefeatures like those previously described to evaluate currency bills forgenuineness and to also determine the serial numbers or other billidentifying indicia thereon. The wearable computer device maycommunicate the serial numbers or other bill identifying indicia fromreceived bills to determine if the bills received by a bill recipientcorrespond to those dispensed by the automated banking machine in theestablishment. This may be done, for example, through the use of camerason a mobile wireless device capturing the serial number data and otherindicia and resolving the currency bill identifying data in a mannerthat can be transmitted wirelessly to the computer which can access theserial number data corresponding to bills dispensed from the bankingmachine. In cases where a serial number received by an employee is onethat was dispensed from the machine, the merchant may offer a credit ora discount to the purchaser. In this way the purchaser is compensatedfor spending the money that they obtained through use of the machine andpaying the surcharge to obtain the cash. Such an approach may be veryuseful in providing an incentive for individuals to spend the cash thatthey obtain from the banking machine in the establishment where themachine is located. In addition it may enable the proprietor to evaluatethe value of having the machine in terms of how much of the cash that isdispensed therefrom is actually spent by patrons within theirestablishment. This may be done through programmed instructionsassociated with one or more computers that evaluate the amountscorresponding to purchases by patrons in the establishment that arebased on bills that were dispensed from the machine. Further in theexemplary arrangement the computer data concerning serial numbers ofbills that are dispensed from the machine are only held for a limitedset period of time. This may correspond in some cases to a one dayperiod, am it would be expected that patrons would likely spend the cashthat they receive from the automated banking machine during the samevisit to the establishment in which the cash was received. Of course insome establishments the set period may be longer or shorter. After theset period of time, the data concerning the serial numbers of billsdispensed would no longer stored. This avoids the need for creating alarge database to hold serial number data associated with dispensedbills. Of course these approaches are exemplary and in otherarrangements other approaches may be used.

In some exemplary transaction environments, employees of a particularmerchant may have the wearable computer devices provided by theestablishment. It may be a requirement of the employment that theemployee utilize the wearable computer for business activities duringtheir work hours. In this way, the available functions of the devicescan be available at all times which the employee is on duty. In additionin some arrangements the employer may require that each employee storetheir wearable mobile wireless device in a particular location when itis not in use, such as during off hours when the establishment isclosed. In some exemplary arrangements a mounting shelf or stand may beprovided onto which the employee may place the wearable wireless mobiledevice when the employee's shift has ended. The placement of the mobiledevices when they are not in use may provide for additional uses of thedevices during off hours.

As can be appreciated, the cameras which are utilized on the wearablemobile wireless devices may serve as surveillance cameras during timesthat the establishment is not open. Such surveillance cameras may bemonitored from local or remote monitoring stations so that anyintrusions or abnormal conditions can be detected within theestablishment. Similarly audio receiving devices included on thewearable computer may be monitored during off hours for purposes ofdetermining abnormal noises which may be indicative of a break-in,machinery malfunction or other problem within the establishment. Byhaving numerous mobile devices positioned in various areas of theestablishment during off hours, it may be possible for a monitoringsystem to observe more areas from more different perspectives than wouldbe possible with stationary security cameras. In addition otherdetection features of mobile devices such as audible sounds or infraredsignals or other things that the wearable mobile devices are capable ofsensing, may be utilized in monitoring activities so that suchproperties may be detected to uncover abnormal or problematicconditions. Of course the capabilities of the wearable mobile wirelessdevices will determine the capabilities that can be achieved throughsuch arrangements and numerous variations to achieve effectivemonitoring may be utilized in various arrangements. In some arrangementsfeatures similar to those described in U.S. Pat. No. 8,302,856 which isincorporated herein by reference in its entirety, may be utilized.

In other exemplary arrangements the wearable device 100 may be utilizedto conduct transactions with an automated banking machine, such asmachine 124 that includes the capability to provide the user withvirtual items of value such as currency bills. The exemplary virtualcurrency bills are provided to the user through images output on thedisplay 110 of the wearable device. The virtual currency bills have nophysical constituents but are perceivable visually by the user throughthe display of the wearable device. In an exemplary arrangement thevirtual currency bills may appear to the user to be similar to regularcurrency bills except that they have at least one identifying featurethat enables the user to distinguish them from physicals currency bills.Such features may include different coloration, different indiciafeatures, visual halos, visual tags or other visual features that enablethe user wearing the wearable device 100 to readily distinguish physicalcurrency bills in the direct field of view of the user through thelenses of the wearable device, from the virtual currency bills that arepresented to the user through outputs of the display 110. Alternativelythe virtual currency bills may correspond to a cryptocurrency, such asBitcoin, Nxt, etc. that has no corresponding physical equivalents. Insuch cases the virtual currency bills may have a unique distinctivevisual appearance with the corresponding symbols or other cryptocurrencyvalue indicators.

In an exemplary arrangement an automated banking machine may be operatedby a user wearing the wearable device 100 in a way that enables the userto receive physical currency bills stored in the machine responsive tooperation of a cash dispenser, or a delivery of virtual currency billsfrom the machine. In an exemplary arrangement, the automated bankingmachine includes at least one reader that reads indicia from databearing items, which data is usable to identify user financial accounts.Such a reader may include for example, a card reader like thatpreviously discussed. Alternatively the reader may include a biometricreader that is operative to read a biometric feature of the user. Forexample in some arrangements, the reader may include a fingerprintreader, an iris scan reader or a camera that captures images forpurposes of facial recognition. In alternative arrangements the at leastone reader may include a wireless reader usable to read RF indicia froma card, token or other item that includes an RFID tag. In otherarrangements a wireless reader may be used to read wireless data from auser mobile device such as a smart phone or smartwatch, or the readermay be operative to receive indicia wirelessly from the wearable deviceitself in a manner like that previously discussed. Numerous differenttypes of readers may be utilized to read indicia that can be used toidentify the user financial account.

The exemplary automated banking machine further includes at least oneinput device through which a user may input transaction or otherselections. Such input devices may include devices such as the inputdevices previously discussed. Such input devices may include a keypad(like keypad 22 previously discussed), function keys (like function keys30 previously discussed), a touchscreen input device, a microphone forreceiving audible inputs, or other input devices suitable for receivinguser inputs. An exemplary automated banking machine may further includea cash dispenser. The cash dispenser may operate in a manner like cashdispenser 28 previously discussed to selectively make currency billsstored in the machine accessible to the machine user. The exemplarymachine may also include a printer. The exemplary printer may be likeprinter 24 previously discussed which is suitable for printing adocument such as a receipt or other item.

The exemplary automated banking machine may further include acontroller, such as the controller 34 previously discussed. Theexemplary controller comprises circuitry including at least oneprocessor and at least one data store of the type described herein,suitable for carrying out circuit executable instructions. The exemplaryautomated banking machine includes at least one interface. The exemplaryinterface may include a wireless communication device such as thewireless portal 32 and/or interface 40 previously discussed. Theautomated banking machine may further include other types of wired orwireless interfaces suitable for communicating with remote devices andremote server circuitry directly or through networks in a manner likethat previously discussed.

In exemplary embodiments the automated banking machine is operative toconduct currency bill dispensing transactions for a user wearing thewearable device in a manner similar to that previously discussed.However in the exemplary arrangement the automated banking machine isoperative to provide an additional transaction selection to the userwhich enables the user to receive virtual items of value such ascurrency bills. Specifically in the exemplary arrangement the outputdevice such as the display on the automated banking machine provides theuser with at least one output which indicates that the user may receivethe requested value in the form of virtual currency bills or actualcurrency bills. The machine further operates in accordance with itsprogramming to enable the user to provide at least one transaction valuetype selection input to an input device on the machine. The value typeselection input corresponds to whether the user wishes to receivecurrency bills or virtual currency bills. Alternatively in somearrangements the automated banking machine may wirelessly communicatewith device 100 so that the option for the user to select virtualcurrency bills is provided to the user through display 110.

In cases where the user has provided a transaction selection input thatcorresponds to the receipt of physical currency bills, the automatedbanking machine 124 operates in a manner like that previously discussedto determine if the indicia read through operation of the at least onereader (as well as other inputs such as a PIN or read biometric feature)corresponds to a user financial account that is authorized to conduct atransaction through the machine. Responsive to a determination that therequested transaction is authorized in the amount requested, at leastone message communicated with at least one remote server circuit causesthe cash dispenser of the machine to operate to make currency billsstored in the machine accessible to the machine user. In an exemplaryarrangement the user is also enabled to provide inputs to the machinewhich cause the printer to provide a receipt for the transaction carriedout at the machine.

In some exemplary arrangements because the user is enabled to viewoutput devices such as the display of the banking machine as well asinput devices of the machine such as a touchscreen or keypad through thewearable device 100, the user is enabled to provide inputs to themachine based on outputs that are only visible to the user through thedisplay of the wearable device. As a result in some arrangements thecontroller associated with the automated banking machine may operate tocause communications with the wearable device which provides outputswhich are visible only to the user, and in response to which the usermay provide selection inputs to input devices of the automated bankingmachine. This may include for example, visible outputs through the atleast one display 110 of the wearable device which appears to the userto be a keypad, buttons, or other manual input device, which to the userappears to overlie a touchscreen or other input device of the bankingmachine. The user may provide inputs corresponding to a PIN, code orother user selections by making manual contact at locations on thetouchscreen or other input device which correspond to the locations ofthe visually perceived input devices that are output through the displayof the wearable device. In such an exemplary arrangement the inputsprovided by the user are less likely to be intercepted because a nearbythief or a camera positioned to intercept the user inputs, will beunable to determine the output through the display 110 of the device towhich the inputs correspond. Of course these approaches are exemplaryand other embodiments other approaches may be used.

Alternatively when the user provides a transaction selection input thatcorresponds to the receipt of virtual currency bills, the controlleroperates in accordance with its programming to wirelessly communicatewith the wearable device 100 through the wireless communication device120. Responsive at least in part to the determination that the inputdata read by the at least one reader corresponds to a user financialaccount authorized to conduct the transaction, and responsive at leastin part to the value type selection input received from the userindicating that the value type selection corresponds to virtual currencybills, the wireless communication between the machine 124 and thewearable device 100 is operative to cause outputs through the display110 of the wearable device. As represented in FIG. 6A the communicationbetween the machine and the wearable device causes the user to perceivethe delivery from the machine of virtual currency bills 109 that have nophysical constituents. In the exemplary arrangement as represented inFIG. 6B, the user is enabled to view the virtual currency bills ascoming from a suitable physical opening or other area of the automatedbanking machine 124 which is in the user's direct field of view whenviewing the machine, or alternatively an opening or other area whichdoes not physically exist on the machine.

In the exemplary arrangement the automated banking machine is operativeto communicate with the wearable device so as to cause outputs whichcause the user to perceive on the display 110 of the device, a quantityof virtual currency bills, each of which have a denomination which isvisually perceivable to the user by viewing the bill on the display. Inthe exemplary embodiment the dispense of virtual currency bills thathave actual physical currency bill equivalents is made to be generallysimilar to the dispense of physical currency bills, each of whichphysical bills also have a physical indication of denomination and aredispensed in a quantity that can be perceived by the user. In the caseof cryptocurrency or other virtual bills that have no correspondingphysical equivalents, the virtual currency bills have a consistent anddistinctive appearance that corresponds to the particular type ofvirtual bills. In each case whether actual or virtual currency isprovided by the machine, the machine is operative to cause a value thatcorresponds to the quantity and denomination of the dispensed currencybills or virtual currency bills to be assessed to the user's financialaccount. This is done by the automated banking machine communicatingwith one or more remote server circuits to cause the user financialaccount to be assessed the value associated with the currency bills orvirtual currency bills that are provided to the user.

In exemplary embodiments the automated banking machine may provide auser with options for receiving a receipt for the transaction conductedat the machine. This may include the controller of the machine offeringthe user output selections to which the user may provide inputs to inputdevices in response. In an exemplary arrangement the controller of themachine may operate in a manner like that previously discussed to causethe printer to print a receipt corresponding to the value of thecurrency bills or virtual currency bills that have been provided to theuser. Alternatively or in addition, in some exemplary arrangements whenthe user has selected the dispense of virtual currency bills, themachine may operate in accordance with its programming to offer the userthe opportunity to receive a virtual receipt for the transaction. Insuch arrangements the machine communicates with the wearable device 100so as to cause the wearable device to provide outputs through thedisplay 110 which causes the user to perceive a virtual receipt beingprovided by the machine. The virtual receipt has no physicalconstituents but may appear to the user like a printed receipt that isprovided by the machine. In some exemplary arrangements the virtualreceipt may appear to the user as presented from the receipt slot orother location physically present on the machine from which printedreceipts are dispensed. Alternatively, virtual receipts may be perceivedas delivered from the machine from other locations such as from virtualreceipt dispensing slots that are not physically present on the machinebut only are perceived by the user through the displays of the wearableglasses.

In other exemplary arrangements the automated banking machine mayprovide transaction options through outputs to the user which enable theuser to provide at least one input to select to receive a virtualreceipt, even in situations where the user has not received virtualcurrency bills. In some exemplary arrangements the wirelesscommunication device of the automated banking machine may wirelesslycommunicate with the wearable device 100 of the user so that the machineis aware that this capability is available to the machine user.Alternatively, the transaction option may be offered to all machineusers without making a separate determination that the user has awearable device capable of presenting a virtual receipt. In suchexemplary embodiments when a user has received physical currency bills(or conducted other transactions at the banking machine) the user mayprovide one or more inputs to indicate to the machine that they wish toreceive a virtual receipt for the transaction. In response to receivingthe at least one input, the wireless communication device of the machineis operative to communicate with the wireless communication device 120of the wearable device 100 so as to cause the display 110 to outputvisual representations of a receipt delivered by the machine to theuser. Of course these approaches are exemplary and other in embodimentsother approaches may be used.

In exemplary arrangements when the automated banking machine hasoperated to dispense virtual items of value such as virtual currencybills to the user, the automated banking machine operates to communicatewith remote server circuitry to indicate that the user has receivedvirtual currency bills. The value associated with the virtual currencybills received by the user is credited to a virtual currency billaccount associated with the user or other user financial account. Thecredit to the virtual currency bill account is carried out throughoperation of one or more remote servers responsive to communication withthe automated banking machine. Alternatively in other arrangements thecredit to the virtual currency bill account of the user is carried outresponsive to communication from the wearable device 100 to remoteserver circuitry indicating that the user has received the quantity anddenomination of virtual currency bills. Further in some otheralternative arrangements, the credit to the user virtual currency billaccount is accomplished responsive to communication from both theautomated banking machine and the wearable device 100 with remote servercircuitry, that operates to include the user account data in at leastone data store. The particular approach taken will depend on theoperation of the particular system.

In an exemplary arrangement the wearable device 100 is operable throughimages captured by the at least one outward facing camera 112 toperceive the manual movement by the user's arms, hands and fingers. As aresult the user is enabled through manual movement to move to “take” thevirtual currency bills that are delivered from the virtual deliverylocation on the automated banking machine. In the exemplary arrangementthe at least one portable circuit 102 of the wearable device 100 isoperative responsive to the detected manual movement by the user movingan arm, hand and fingers to engage the apparent virtual currency billsas presented on the display, to cause the virtual currency bills to beperceived through the display 110 as moved with the user's hand awayfrom the point of delivery on the machine. In an exemplary arrangementthe movement of the virtual currency bills from the machine may beperceived by the user as the same as the taking of physical bills,except without the tactile feel of physical bills between the user'sfingers. However, in alternative arrangements the user operating thewearable device 100 may also wear a virtual reality glove or otherdevices that are enabled to communicate with the device 100. Such avirtual reality glove may include sensors to sense hand, finger and/orarm movements and provide signals corresponding thereto to device 100.The exemplary glove may also include output devices sensible by theuser's hand and fingers that enable the user to have a tactile feelassociated with contact with the virtual bills. Such a tactical glovemay also operate to generate signals that are received by the wearabledevice 100 so as to further enable the circuitry of the wearable deviceto detect the movement of the user's arms, hands and fingers to providethe user with visible outputs through the display that correspond withmovement of the user manipulating the virtual bills, as well as tactilesensations associated with contact with such bills. In other alternativearrangements the automated banking machine or wearable device mayincorporate mid-air haptic technology that enables a user to perceivevirtual items such as currency bills and receipts by touch without theneed for a virtual reality glove or similar device. Such mid-air haptictechnology uses ultrasonic transducers to project haptic feedback whichcorresponds to the sense of touching such virtual items directly onto auser's hands and fingers. Such mid-air haptic devices are available fromUltrahaptics of Palo Alto Calif. Of course such approaches are exemplaryand in alternative embodiments other approaches may be used.

In an exemplary arrangement once the user has perceived to have manuallyengaged the virtual currency bills, the user may choose to “place” suchbills in a storage location. In some exemplary arrangements the storagelocation may correspond to a physical container such as a wallet orpurse that is also capable of storing physical items. Alternatively thecontainer in an exemplary arrangement may correspond to a virtualcontainer which in some cases may be a physical item that is not capableof physically containing physical currency bills. For example in someexemplary arrangements the virtual container may comprise the user's earor other body cavity. Alternatively the virtual container may comprise aring, button, belt buckle or other object that does not have anyinternal physical storage space. In other arrangements the virtualcontainer may be a container which does not correspond to any physicalobject. For example the virtual container may correspond to a virtualrepresentation of a money clip, a safe, or other item which does notphysically exist, but which can be visually perceived by the userthrough the display 110 in response to inputs to the wearable device.Such inputs may include verbal inputs from the user that are perceivedby the microphone 116 or physical inputs that are provided through thesensing bar or other input device 122.

In an exemplary arrangement the manual movement of the user's physicalarms, hands and fingers in engagement with the virtual currency bills,is detected by the wearable device 100 through the at least one outwardfacing camera 112. The movement by the user hand in engagement with theperceived virtual currency bills is perceived by the user through thedisplay of the wearable device to include the placement of the virtualbills within a selected physical container or a selected virtualcontainer. In the case of a physical container, the display may presentoutputs which show the user the bills as moved into the container in thesame manner as physical bills being placed into the container such as awallet or purse. In the case of a virtual container which is a physicalitem that does not have internal storage space, the programmingassociated with the circuitry of the portable device provides outputsperceived by the user showing the virtual bills stuffed or sucked intothe physical item which is to serve as the virtual container. In otherarrangements when the virtual container does not include any physicalobject, the virtual container and virtual currency bills may beperceived as manipulated by manual movement of the user into engagementwith a virtual container that is perceived as located in a particularplace. Such a place may include for example, the user's hand or otherlocation on the user. Alternatively the programming associated with thewearable device may enable the virtual container to be clipped onto theuser or the user's clothing or other location where the user canvisually perceive the virtual container. Alternatively in otherexemplary arrangements the user may provide inputs to the wearabledevice that causes the virtual container to disappear from the user'sview and then reappear at a later time responsive to user input. Ofcourse these approaches are exemplary and other embodiments otherapproaches may be used.

In the exemplary arrangement the circuitry 102 of the wearable device100 is operative to store data corresponding to the virtual currencybills and the physical or virtual container in which they have beenperceived as stored by the user. Further in an exemplary arrangement thecircuitry 102 is operative to cause the wireless communication device120 of wearable device 100 to communicate data corresponding to thevirtual currency bills and the container in which they have been stored,to one or more remote server circuits such as those previouslydiscussed. In an exemplary arrangement the remote server circuitry mayinclude a server such as server 126 previously described. The storeddata may include data corresponding to physical features and locationsdetected through the at least one outward facing camera on the portabledevice 100. Such image data is usable to identify such physical featuressubsequently so that the virtual bills can be later perceived as “found”in a container located where the user previously “placed” such bills.Further in exemplary arrangement the server circuitry which stores theinformation concerning the virtual currency bills and their location andcontainer information may also store the data concerning the user'svirtual currency bill account.

In an exemplary arrangement virtual currency bills may be exchanged withother persons who operate wearable devices similar to wearable device100. Such further wearable devices schematically indicated 107 may besubstantially identical to wearable device 100. Such wearable devices107 include the same elements as are found in wearable device 100 andprovide the same capabilities to further users who wear such devices.Alternatively such wearable devices may include other types of augmentedreality devices such as contact lenses made by Mojo Vision Inc. ofSaratoga, Calif. Of course it should be understood that in somearrangements wearable devices 107 may provide other or differentcapabilities in addition to those of wearable device 100 describedherein that are utilized for purposes of handling and transferringvirtual currency bills.

In an exemplary arrangement a user of wearable device 100 is enabled toremove the virtual currency bills from the physical or virtual containerin which they were “placed” by the user. In some exemplary arrangementsthis may include the wearable device 100 operating to track user manualmovement to the physical container in which the user perceived he placedthe virtual currency bills through user manual movement. Data stored inthe at least one data store associated with the circuitry of device 100and/or data stored in a data store of remote server circuitry, isoperative to cause the display 110 of device 100 to have the virtualbills be perceived by user as in the physical container. Alternativelyin situations where the user “placed” the virtual bills in a virtualcontainer, the portable device 100 responsive to manual movement asdetected through the at least one outward facing camera 112 and otheruser inputs, is operative to enable the virtual container and virtualbills to be visually perceivable by the user so as to enable the user toperceive that they manually engage and remove the virtual bills from thecontainer.

In an exemplary arrangement the wearable device 100 is operative inaccordance with its program instructions, to communicate wirelessly,messages corresponding to the virtual bills and their location asperceived by the user. Such wireless messages may be communicated toremote server circuitry and/or directly to nearby further wearabledevices such as wearable device 107. In an arrangement under which theuser of wearable device 100 wishes to transfer one or more of thevirtual currency bills to a user of further wearable device 107, thewearable device 100 detects the manual movement of the user of suchwearable device and perceived movement of the one or more virtualcurrency bills output to the user through the display 110, to a point ofdelivery from which the virtual currency bills may be perceived as takenby the further user wearing the further portable device 107. In theexemplary arrangement the further user of the further portable device107 also sees the manual movement of the user and perceives through thedisplay of the device 107 movement of the virtual currency bills to thepoint of delivery. The user and the further user perceive visuallythrough the respective displays of the wearable devices the taking ofthe virtual currency bills by the further user responsive to detectedmanual movement of the further user.

In an exemplary arrangement in connection with this transfer of thevalue associated with the virtual currency bills, the wearable device100 is operative to capture and store in at least one data store of thedevice and communicate to remote server circuitry, data corresponding tothe transfer of the virtual currency bills. Such data corresponding tothe transfer may include one or more of several different types of datacorresponding to the virtual bill transfer. For example, the wearabledevice 100 may communicate data with the further wearable device 107.The communication may include identifying data which is operative toidentify the further wearable device and/or the user thereof. In otherexemplary arrangements the wearable device 100 may be operative tocapture biometric data associated with the further user wearing device107 through the outward facing camera 112. The exemplary wearable device100 may also operate to resolve location data associated with thetransfer of the virtual currency bills. This may be done for examplethrough GPS or cellular location calculations accomplished throughoperation of the circuitry of the wearable device. Other data capturedin connection with the transfer may include images displayed to the userof device 100 corresponding to the transfer of the virtual currencybills by the user to the point of delivery and the images representingthe taking of the virtual bills by the further user. Further exemplaryembodiments may also capture images corresponding to the exchangethrough operation of the outward facing camera on the portable device100. In exemplary arrangements one or more of these items of identifyingdata associated with the transfer of the virtual currency bills isstored in the at least one data store of the wearable device 100. Inexemplary arrangements one or more of such data items are alsotransferred to remote server circuitry which is operative to track thevirtual bills and the user's virtual currency bill account.

In an exemplary arrangement in connection with such a transfer ofvirtual currency bills, the further wearable device 107 also captures,stores and transmits to at least one remote server circuit similaridentifying data corresponding to the transaction. The communication ofthe data corresponding to the transfer of the virtual currency billsfrom both wearable devices enables the at least one remote server toidentify the parties involved in the transfer. It further enablesdetermining the identity of the virtual currency bills subject totransfer, including the quantity and denomination thereof, to beidentified. In addition the at least one remote server circuit receivingthe data is enabled to operate to deduct the transferred virtual billsand/or the value thereof from the user's virtual currency bill account,and credit the further user's virtual currency bill account with suchbills and the corresponding value. The communication between the one ormore remote servers and the wearable device and the further wearabledevice may be operative to communicate all the data which is necessaryto accomplish the transfer such that the further user of furtherwearable device 107 is enabled to “take” the virtual bills from theuser. The further user through wearable device 107 is also enabled to“store” the received virtual currency bills in a physical or virtualcontainer in a manner like that previously discussed. Of course thefurther user may also transfer the bills to others who operate wearabledevices similar to devices 100, 107 which communicate with the servercircuitry that is operated in connection with the system. Of course itshould be understood that these approaches are exemplary and otherembodiments other approaches may be used.

In some exemplary arrangements the further user who receives the virtualcurrency bills as perceived through wearable device 107, may act as amerchant that provides goods or services. Such a merchant may providesuch goods or services to the user in exchange for such virtual currencybills. In addition such a merchant user may also provide to the user ina similar manner, other virtual currency bills and/or value perceived asassociated with virtual coinage, as change in connection withtransactions for which payment is provided using virtual currency bills.The virtual currency bills provided by the other user as change may beperceived, appear to be manipulated, and tracked through operation ofthe system in a manner similar to that for the virtual currency billsthat are dispensed or transferred as described herein.

In some exemplary embodiments the type of virtual container utilized forthe perceived storage of virtual currency bills may include a virtualautomated banking machine. The programming associated with wearabledevice 100 may include executable instructions that enables the outputthrough the display 110 of images that correspond to an automatedbanking machine that appears to the user to be similar to automatedbanking machine 124, for example. Alternatively the wearable device 100may receive communications from one or more remote servers that causeoutputs through the display 110 receivable by the user that correspondto a virtual automated banking machine. The virtual automated bankingmachine may be presented to the user through the device 100 responsiveto inputs to the device 100 in a manner like that previously discussed.

The exemplary virtual automated banking 127 machine may have featuresand operational capabilities that correspond to a physical automatedbanking machine as represented in FIG. 6C. However, in an exemplaryarrangement rather than using a separate physical item such as a cardwhich is read by physical reading device on the machine, the reader ofthe virtual automated banking machine may operate responsive to avirtual reading device which receives the identifying data associatedwith the user or the user account, which is stored in at least one datastore of the device 100. Alternatively or in addition, the at least onevirtual reading device of the virtual automated banking machine mayutilize the at least one inward facing camera 114 or the at least oneoutward facing camera 112 of the device 100 for purposes of reading abiometric feature of the user. Alternatively or in addition the device100 may include the capability for reading wireless signals output froma debit, credit or other card, token or other item of the user whichincludes data usable to identify a financial account.

In an exemplary arrangement the virtual automated banking machine 127may include virtual input devices, virtual output devices and the likethat are perceived by the user through outputs through the display 110of the device 100. These virtual input and output devices can provideinstructions to the user for operation of the machine and receive inputsfrom the user in a manner that is perceived by the user as similar tothat provided in connection with a physical automated banking machine.Further in an exemplary arrangement, manual movement by the user asdetected through the at least one outward facing camera 112 of thedevice 100, or other devices such as a virtual reality glove (if used),may be utilized to detect user manual movement corresponding to themanipulation of input devices of the virtual automated banking machine.Contact with the components of the virtual automated banking machine mayalso be perceived by touch when using mid-air haptics apparatus.

In an exemplary arrangement the virtual automated banking machine 127may be operated responsive at least in part to the detected manualmovements of the user or other inputs to perform a deposit transactionof virtual currency bills. The perceived operation of the virtualautomated banking machine may be similar to that of a physical automatedbanking machine in the user perceiving to provide manual inputsselecting a deposit transaction and perceiving to provide inputs whichcorrespond to the amount of virtual currency bills to be deposited. Thefunctions of the physical automated banking machine in making thedetermination that the account identifying data and/or user datacorresponds to an authorized account on which the requested transactionis authorized to be conducted, is carried out through operation of thewearable device 100 through communication with the one or more remoteservers. Responsive at least in part to the determination, the wearabledevice causes the virtual automated banking machine to be perceived asoperating to carry out the transaction functions associated with thedeposit. Alternatively in some arrangements because the availability ofthe user's virtual currency bill account is known to be authorized toconduct the transaction through the communications with the device 100,and the denominations and value of each virtual currency bill is knownby the device 100 or the operatively connected remote server circuitry,the user may through manual movement perceive the input of selectedvirtual currency bills 125 to the machine which is then perceived toreceive such bills therein as represented from FIG. 6D and indicate thevalue of the deposit to the user. Of course these approaches areexemplary and other operational features may be provided for the virtualautomated banking machine.

In an exemplary arrangement the virtual automated banking machine may beperceived by the user as receiving the virtual currency bills fordeposit. The crediting of the user's virtual currency bill account forthe deposit of such virtual currency bills may be accomplished throughoperation of the one or more remote servers communicating wirelesslywith the device 100. Further the virtual automated banking machine maybe perceived as operable in a manner like that previously discussed toissue to the user a virtual receipt in connection with the transaction.The virtual receipt may be perceived as taken by the user responsive touser manual movement and stored in a physical or virtual storagecontainer in a manner like that previously discussed in connection withthe storage of virtual currency bills. When the user has completed hisor her transaction with the virtual automated banking machine, the usermay provide one or more inputs to the device 100 in a manner like thatpreviously discussed. Such inputs may cause the virtual automatedbanking machine to disappear from the user's display 110. The machinecan then be caused to reappear at the direction of the user responsiveto inputs to the device 100 when the use of such machine is againdesired by the user.

In an exemplary arrangement the device 100 operating in conjunction withone or more remote servers connected in the system is also operative toprovide to the user an initial dispense of virtual currency bills. Thisprovides an alternative to the user to not require interaction with aphysical automated banking machine for purposes of obtaining virtualcurrency bills. In an exemplary arrangement the user can provide one ormore inputs to the wearable device 100 which cause the virtual automatedbanking machine to appear to the user through outputs from the display110. Such inputs may include audible inputs or manual inputs that arereceived by the device 100 and that are identified through operation ofthe circuitry 102 as corresponding to the user's instructions to provideuser access to the virtual automated banking machine.

In exemplary arrangements the virtual automated banking machine may beperceived to operate in the manner like that previously discussed inconnection with the deposit of virtual currency bills therein, to appearto receive inputs or otherwise identify the user and/or the user'saccount. The device 100 further causes the virtual automated bankingmachine perceived by the user through the display 110, to operate tomake a determination that the dispense of virtual currency billsrequested by the user is an authorized transaction that can be conductedthrough operation of the virtual automated banking machine. Manualmovement of the user as detected by the device 100 and the at least oneoutward facing camera 112 (and is some embodiments a virtual realityglove or similar device) may operate to cause the perceived receipt ofuser inputs to the machine is appropriate in connection with a billdispensing transaction.

In an exemplary arrangement the virtual automated banking machine 127 asperceived by the user through the display 110 of the device 100, isoperative responsive at least in part to the determination that the useris authorized to receive value corresponding to the requested virtualcurrency bills, to cause such bills 129 to be perceived as dispensedfrom the virtual automated banking machine. Such dispense may beperceived by the user through outputs through the display 110 of thedevice 100 as represented in FIG. 6E. The visual outputs correspond toproviding a quantity of such virtual bills and bills with denominationsthat correspond to the requested value. In a manner similar to thatdiscussed in connection with the provision of virtual currency billsfrom a physical automated banking machine, an account of the user isassessed the monetary value associated with the delivered virtualcurrency bills. The user is also enabled responsive to manual movementas detected by the device 100 to be perceived as taking the virtualcurrency bills from the virtual machine. A mid-air haptics device mayalso provide the user with a sense of touching the virtual bills. Suchvirtual currency bills may be perceived as manipulated through detectedmanual movement by the user. The virtual automated banking machine mayalso provide the user with a virtual receipt like that previouslydiscussed. Once the transaction with the virtual automated bankingmachine is completed, the user can provide one or more inputs to thewearable device 100 which causes the virtual automated banking machineto be perceived by the user through the display to again disappear. Ofcourse it should be understood that this transaction description withthe virtual automated banking machine is exemplary, and in anotherarrangements other approaches and transaction elements and steps may beutilized.

The virtual currency bills that are perceived by the user is beingreceived from the virtual automated banking machine may be perceived ashandled and manipulated in a manner like that previously discussed. Suchvirtual currency bills may also be moved by hand engagement to locationsand stored in a physical or virtual container in a manner like thatpreviously discussed. Such virtual currency bills may also be subject totransfer to another user through approaches like those previouslydescribed.

As can be appreciated the use of the virtual automated banking machineenables the user to obtain virtual currency bills in any locationwithout the need to travel to a physical automated banking machine.Further in an exemplary arrangement the virtual currency bills may betransferred by the user to other users including merchants who acceptsuch bills in exchange for goods or services. In some exemplaryarrangements the wearable device of the user and/or remote servercircuitry may communicate with a further wearable device worn by afurther user in a manner that enables the further user to perceive thevirtual automated banking machine and the delivery of virtual currencybills therefrom, through the further wearable device. This may be donefor example, when the user plans to transfer the virtual currency billsdelivered by the virtual automated banking machine to the further usershortly after they are delivered from the virtual machine. Further inother exemplary arrangements, virtual currency bills being deliveredfrom a physical automated banking machine may also be perceived by afurther user through a further wearable device responsive to wirelesscommunication between the wearable device, the further wearable device,and machine and/or at least one remote server circuit. Thus exemplaryarrangements enable users to receive benefits that are associated withthe use of cash, without the need to possess and store physical currencybills. Further exemplary embodiments may provide perceived currencybills for currency types which have no physical equivalents, such ascryptocurrencies. Of course it should be understood that theseapproaches are exemplary, and that the principles described herein maybe applied in numerous different arrangements to achieve some of theadvantages described.

In other exemplary arrangements apparatus of the type described may beutilized to provide users with types of virtual items of value otherthan virtual currency bills. Virtual items of value may be redeemablefor goods, services or other forms of value. In some exemplaryarrangements, the user of the automated banking machine may also receivea tangible printed receipt or other tangible item that is provided bythe machine in conjunction with the virtual item of value. This may bein the nature of a printed receipt similar to that available for theprovision virtual currency in the examples previously discussed, orother types of printed or otherwise available tangible items that areindicative that the user has received or is in possession of the virtualitem of value.

For example in some exemplary arrangements the automated banking machinemay be operative to deliver virtual tickets to a user. Such tickets maycorrespond to gaming tickets such as lottery tickets or value that canbe utilized in gaming machines or in games located in gamingestablishments. Other forms of tickets may include wagering slipsassociated with sports betting that are redeemable for value contingenton certain outcomes. Other tickets may include transit tickets such asthose that are redeemable for transport via airlines, rail systems,ships, buses or other forms of transport. In other exemplaryarrangements virtual items of value may include event tickets such astickets for access to sporting events, concerts, festivals, theaters orother activities. Items of value which provide facility access may alsobe provided from automated banking machines in other exemplaryembodiments. Examples of virtual items of value which provide facilityaccess may include items which enable the user to gain access tostructures, venues or locations such as amusement parks, arenas, zoos,museums, theme parks or other facilities for which a user normally mustprovide value to gain access. As can be appreciated such virtual itemsof value may be stored by the recipient, perceived, transferred andaccepted by other individuals utilizing wearable devices such as devices107 which are utilized by persons and merchants in a manner like thatpreviously discussed in connection with virtual currency bills, or maybe accepted through operation of physical machines or virtual automatedbanking machines or other virtual machines that operate to accept suchvirtual items in a manner similar to that previously discussed.

In other exemplary arrangements the automated banking machine mayoperate to provide virtual items of value that include virtual itemsthat bear or otherwise embody an access code or other indicia, all ofwhich herein will be referred to as a code. Such virtual access codebearing items may in some arrangements include an alphanumerical code orother code that is visible to the user through operation of the wearabledevice, which code may be usable to gain access to facilities, locationsor other resources. For example the code may enable the user to provideinputs to a keypad or other input device that enables a user to access afacility such as a health club, spa, resort or recreational facility. Inother exemplary arrangements the code may be utilized to provide inputsto input devices that enable access to a housing unit, such as temporaryhousing, a hotel or motel room, a dormitory room or other facility. Inother exemplary arrangements the code included in the virtual accesscode bearing item may be usable to enable the user to access a storageunit. Such a storage unit may contain items of value that a user mayhave purchased, rented or otherwise been authorized to access orutilize. This may include for example a storage unit which houses anitem that the user has purchased and that has been delivered to or isotherwise housed in a particular storage unit, and for which the accesscode bearing item that enables the user to take delivery of the item hasbeen provided to the user through the banking machine. Other exemplaryarrangements may include virtual access code bearing items that enableuser to obtain access to a vehicle, such as a rental vehicle that theuser is enabled to operate responsive at least in part to the input toan input device of the code included on the code bearing item. Codebearing items that are usable to access and/or operate machines may alsobe provided through other exemplary arrangements. This may include forexample, virtual access code bearing items that enable user to operatemachines such as watercraft, drones, personal aircraft, constructionmachinery, or other items which require authorization to use. In someexemplary arrangements the virtual item of value may be utilized inconjunction with other user authenticating factors such as datacorresponding data bearing items such as data bearing articles,biometric data or other data associated with the user of the wearabledevice that receives the virtual item. Such additional authenticatingfactors may be verified through operation of circuitry associated withthe device or facility to enable the authorized user to have the benefitof the virtual item of value. Of course it should be understood thatthese types of virtual items of value and the uses thereof areexemplary. Numerous different virtual items of value may be providedthrough operation of automated banking machines. Further in exemplaryarrangements the types of virtual items of value that can be deliveredmay be readily expanded or changed, as in many cases no changes to thephysical aspects of the automated banking machine would be required todeliver a wide variety of different virtual items of value.

In other exemplary arrangements an automated banking machine may operateto associate virtual indicia that are perceivable through wearablemobile devices, with a tangible item that is provided from the machine.For example in some exemplary arrangements the controller associatedwith the automated banking machine may operate to output virtual indiciathat is perceivable by the user of the machine through the at least onedisplay 110 of the wearable user device 100, and that is in attachedconnection with the dispensed tangible currency bills. In some exemplaryarrangements the virtual indicia may be indicative of the dispense ofthe tangible currency bills from the particular automated bankingmachine. Such virtual indicia may be perceived by the user through thewearable device as in attached connection with the tangible currencybills through the course of storage and exchange of such tangible bills.Likewise a merchant representative wearing a device such as mobiledevice 100, or 107 is enabled to perceive the virtual indicia inattached connection with such currency bills. Such virtual indicia thathas been placed in attached connection with such bills may be utilizedby a merchant who receives such bills in the establishment where theautomated banking machine is located, to determine that the bills weredispensed from the machine in the establishment. For example theattachment of the virtual indicia may be based on a determinationthrough operation of the wearable mobile devices that the physicallydetermined characteristics of the bills such as denominations and serialnumbers correspond to bills dispensed from the machine in theestablishment. However the perceivable virtual indicia that is inconnection with such bills avoids the need to utilize other approachesto determine that the bills were received from the machine in themerchant establishment. Thus the virtual indicia may be utilized in lieuof or in addition to other indicators such as those previouslydiscussed, that enable the merchant to provide the user providing suchcurrency bills with attached virtual indicia, with a credit fortransaction fees incurred by the user to receive the bills, or otherbenefits or incentives for spending the bills in the establishment wherethe machine is located. Further in exemplary arrangements the wearablemobile devices operated by the merchant representatives in theestablishment that receives the tangible bills may operate to erase orotherwise remove the virtual indicia associated with the tangible billsonce they have been received by the merchant. Of course these approachesare exemplary.

In other arrangements such virtual indicia may be attached to othertangible items that are provided through operation of the automatedbanking machine. For example in some exemplary arrangements, thephysical currency bills that are delivered by the machine may havevirtual indicia attached thereto to indicate the genuineness thereof topersons who receive such bills and are users of wearable mobile devicessuch as devices 100, 107. In other exemplary arrangements virtualindicia may be associated with receipts or other items that are providedby the machine in connection with virtual items of value, to providerecipients of such virtual items a way to further verify the authorityof the user to possess or redeem such a virtual item of value. This maybe accomplished through inspection of the receipt which has the virtualindicia perceivable in attached connection therewith. Such virtualindicia may be generated based on physical features or indicia of thereceipt as well as other data associated with the receipt, for example.In other exemplary arrangements the user may utilize the virtual indiciathat is perceived as attached to a physical currency bill to keep trackof the source of each bill so that the user may determine the sourcefrom which the user obtained the bill if there is a later determinationthat the bill is counterfeit, for example. In still other exemplaryarrangements the user may operate the wearable device to selectivelymark tangible items which have been provided through operation of theautomated banking machine with virtual indicia. This may be done in someexemplary arrangements through operation of the wearable device andinputs provided through the wearable device and/or through an inputdevice of the banking machine by the user. For example in some exemplaryarrangements the user may wish to have virtual indicia attached to oneor more tangible currency bills as a reminder that the user is to use ortransfer those bills in connection with a particular obligation, such asfor example, to provide reimbursement for a loan from a friend or familymember. Of course these approaches are exemplary and in otherembodiments other approaches may be used.

In other exemplary arrangements an automated banking machine may beoperative to provide communication between the user at the machine whois wearing a wearable mobile device 100 and a service representative whomay assist the user in carrying out transactions at the automatedbanking machine. In an exemplary arrangement after a determination ismade that a machine user is an authorized user, the controllerassociated with the automated banking machine such as automated bankingmachine 124, is operative to provide outputs through output devices thatinclude transaction selection options to the user. The transactionselection options provided to the user may include the options for theuser to receive a dispense of currency or a virtual item of value in amanner like that previously discussed. In addition the controller may beoperative to present the user with other transaction selection optionsthrough a display such as display 26 or other output devices thatinclude the option for the user to communicate with a servicerepresentative. The user at the machine may wish to communicate with aservice representative in order to facilitate transactions that the userwishes to conduct through operation of the machine 124. In alternativearrangements the machine user may be required to communicate with aservice representative in order to conduct certain transactions that maybe available through operation of the machine. In exemplary arrangementsthe user is enabled to provide a transaction selection inputcorresponding to the request to communicate with the servicerepresentative through an input device of the machine such as atouchscreen display, function keys or other input device such as thosepreviously discussed.

In some exemplary arrangements the controller associated with theautomated banking machine is operative to communicate with at least oneremote server such as server 126. The controller is operative to causethe server to communicate with a terminal that is operative responsiveto a service representative that is located remotely from the machine.The terminal that is operated responsive to the service representativemay be a mobile wireless device such as the device 78 which may comprisea smart phone, tablet or other similar mobile computer, or a wearabledevice such as devices 100, 107. In other exemplary arrangements theterminal device operated responsive to the service representative may bea computer such as a desktop computer or other suitable device thatoperates responsive to the service representative to enable the servicerepresentative to be notified of the request by the user and to providecommunications by providing visual and/or audible inputs to the terminaland by receiving visual and/or audible outputs from the terminal. Suchsystems may include a plurality of different interconnected networks andservice representative operated devices such as those described in theincorporated disclosures.

In other exemplary arrangements the terminal that operates responsive tothe service representative may correspond to a computer that has beenprogrammed to provide communications with humans and to respond incertain programmed ways to inquiries and requests. Such a computer maycorrespond to a chat bot, an artificial intelligence system, or avirtual service representative that has the ability to communicate withthe user at the automated banking machine. Of course these approachesare merely exemplary.

In an exemplary arrangement in response to the transaction selectioninput from the user through an input device of the machine correspondingto a request for communication with a service representative, thecontroller operates in accordance with its programming to communicatewith the appropriate service representative system and terminal deviceor server process that corresponds to the service representativecapabilities. Responsive to receiving communications through the network128 or another network such as a wireless network, the controllerassociated with the machine is operative to communicate through thewireless interface of the machine with the wearable device 100 of theuser. The controller is operative to cause the circuitry 102 of thewireless device to receive signals that are operative to cause the atleast one display 110 of the device 100 to output visual outputs throughthe at least one display 110 and audible outputs through the speaker 118which correspond to the visual and/or audible communications from theservice representative. As represented in FIG. 6F, in the exemplaryarrangement the at least one display 110 of the wearable device 100 isoperative to output to the user images corresponding to a servicerepresentative 123 while the user receives audible outputs from thespeaker 118 of the wearable device corresponding to the audiblecommunications from the service representative. Of course this approachis exemplary, and in other arrangements only visual images such as text,or audible outputs may be provided, or the visual outputs may notcorrespond to the appearance of a person.

In exemplary arrangements the user is enabled to communicate with theservice representative that is perceived through the wearable device100. This is accomplished through the microphone 116, speaker 118, atleast one display 110 and in some arrangements the outward or inwardfacing camera 112, 114 of the wearable device. In some exemplaryarrangements communications are made through the wireless interface 120associated with the wearable device which communicates through thewireless interface of the automated banking machine. The automatedbanking machine in such embodiments communicates through the one or morewired or wireless networks in which the machine is connected, with theterminal that is operative responsive to the human servicerepresentative, or the server that comprises the terminal operativeresponsive to the programming that comprises the service representative.However in other exemplary arrangements the controller associated withthe automated banking machine may operate to provide to the wearabledevice 100 with a link or other data and instructions usable by thewearable device to communicate wirelessly in a system in which theservice representative terminal or server is connected. In this way theuser is enabled communicate with the service representative withoutrequiring the communications to pass through the automated bankingmachine. In some such exemplary arrangements the capabilities providedthrough the automated banking machine and the wearable device enable theuser to obtain assistance from remote service representatives in systemsthat otherwise could not enable the user at the machine to receiveservice representative assistance. Of course it should be understoodthat these configurations and approaches are exemplary.

In exemplary embodiments the user is enabled to communicate with theservice representative through the wearable device. Such communicationsmay involve the service representative receiving and answering questionsthat the user has concerning transactions, the status of their account,or other services that the user may be seeking from the entity thatholds their financial accounts or that otherwise provides the user withfinancial or other services. In other arrangements the communicationswith the service representative may enable the service representative tocarry out transactions on behalf of the user. For example in somearrangements the user may communicate with the service representativeand request to have the service representative carry out transfers offunds, make payments or take other actions. In some exemplary systemsthe service representative may carry out these requested transactionsthrough the operation of the terminal device or other systems that areoperative responsive to the service representative. In such arrangementsthe terminal device of the service representative may be operative tocommunicate through one or more networks such as network 128 with theautomated banking machine. In such exemplary arrangements the terminaldevice may be operative responsive to the service representative toprovide communications that cause the controller of the automatedbanking machine to display information to the user through the displayof the machine or through the display of the wearable device 110 relatedto the transactions as requested by the user. Alternatively or inaddition, the service representative may operate their terminal deviceto cause communications with the controller of the automated bankingmachine which cause devices of the machine to operate. This may includefor example, communications that cause operation of the printer includedin the machine to print a receipt for other document for the user thatdocuments the details of the transactions that have been conducted onthe user's behalf by the service representative. Of course this approachis exemplary of numerous different types of transaction functions thatcan be conducted through systems of exemplary arrangements.

In other exemplary arrangements the service representative may operatethe service representative terminal to cause communications with thecontroller of the machine that cause operation of other devices includedin the machine. For example in some exemplary arrangements the servicerepresentative may operate their associated terminal to cause atransaction in which physical currency bills are dispensed to the userfrom the dispenser of the automated banking machine. The communicationsfrom the service representative terminal received by the controllercause the controller to operate in accordance with its programming tocause the currency dispenser to deliver to the user the physicalcurrency bills that the user has requested. In such an arrangement thecontroller may operate to communicate with the service representativeterminal to confirm the dispense of bills which has been made by themachine. Further in some exemplary arrangements the wearable device 100may further provide the ability for the service representative to viewimages from the outer facing camera 112 that confirm the dispense of thecurrency bills from the machine. The service representative may furthercommunicate with the controller of the automated banking machine tooperate the printer or other devices to provide the user with a receiptor other items in connection with the requested transaction. Of courseit should be understood that the dispense of currency bills that iscarried out by the machine responsive to the service representativeterminal is exemplary of numerous different transactions that may beprovided. Other transactions may include for example, the acceptance ofcash by the automated banking machine into a currency acceptor orrecycling mechanism of the machine. Other transactions may includeacceptance of checks or other instruments through operation of the checkacceptor or other depository device on the machine. Numerous differenttypes of transactions may be carried out responsive to communicationwith the service representative depending on the capabilities of theautomated banking machine and the particular system.

In other exemplary arrangements, the service representative may providecommunications with the controller of the machine and/or the wearabledevice that enable the provision of virtual items of value to the userthrough operation of the wearable device and the automated bankingmachine. In such arrangements the terminal that operates responsive tothe human service representative or the automated service representativeserver, may operate to cause virtual items of value of the typespreviously discussed, or other items of other types such as virtualdocuments, certificates, agreements or other things to be provided tothe user responsive to actions and operations of the servicerepresentative. Such provision of virtual items of value may be doneresponsive to communications provided by the user through inputs toinput devices of the automated banking machine and/or inputs through theinput devices of the wearable device as well as communication with theservice representative. Of course it should be understood that theseapproaches are exemplary and in other embodiments other approaches maybe used.

FIG. 7 shows another exemplary automated banking machine with analternative arrangement generally indicated 130. Automated bankingmachine 130 may generally operate in a manner similar to automatedbanking machine 12 previously described and may include similarcomponents. This alternative embodiment also includes an item producingdevice generally indicated 132. In the exemplary arrangement the itemproducing device 132 includes a 3D printer. The 3D printer is utilizedto produce items that are dispensed from or otherwise made available bythe automated banking machine to a user.

In an exemplary arrangement a 3D printer or other type of materialprinter is utilized to produce an item that is representative of and isredeemable for value. Specifically in some exemplary arrangements theprinter is operative to print patterns of conductive material thatcomprise RFID tags on a substrate to produce a token. The RFID tags areusable to produce signals corresponding to values that identify thetoken as genuine and that are associated with or representative of thevalue for which the token is redeemable.

For example in some exemplary embodiments a user may operate theautomated banking machine in a manner similar to that previouslydescribed in connection with a cash dispensing transaction. However, inan exemplary alternative arrangement the user may elect through inputsto the machine, to receive a token corresponding to a selected valuerather than cash. This would be done, for example, where a user wishesto receive a token that is redeemable for a particular type ofmerchandise or services available from a particular identified retailer.For example in some arrangements the retailer may offer an additionalbonus in terms of goods or services value above the amount that the userpays for the particular token in order to provide an incentive for theuser to acquire the merchant's goods or services. Of course thisarrangement is one of many that may be utilized in connection with thedescribed features.

In such arrangement the printer may operate as represented in FIG. 8 toproduce a token that includes indicia that can be securely redeemed forvalue by the particular merchant. In this arrangement the printer 132includes a mechanism that operates to receive apiece of token substratematerial from a storage magazine or similar storage area generallyindicated 134. The single item of substrate that is removed from thestorage area is then printed upon by applying one or more patterns ofmetallic conductive material thereon in a printing chamber 136. Theprinting chamber includes a printing head that deposits the metallicmaterial such as silver or copper inks in patterns that correspond toone or more RFID tags. This is accomplished through control provided bycircuit 138. Circuit 138 includes one or more processors and one or moredata stores with programmed instructions such as those previouslydescribed that are usable to determine the value or values correspondingto the desired tags and to produce the patterns corresponding to theRFID tags that are produced on the token.

It should be understood that in the exemplary arrangement one or moreRFID tags that are produced on the substrate correspond to values thatare known by the controller of the automated banking machine and thatare communicated to one or more remote servers. This enables the tokenthat is produced through operation of the printer to be identified asgenuine or otherwise acceptable by RFID tag readers or other itemspositioned at the locations where the token may be redeemed for goods orservices of the merchant. Further as can be appreciated, the RFID tagsthat are included on the token produced may include security features,encryption features, verification features, redemption indicatingfeatures, wireless outputs or other items and features that are usableto prevent counterfeiting and assure that the token presented is usableand genuine.

Once the exemplary token has been produced by the printer, it is movedthrough operation of a suitable conveying mechanism through an opening140 in the automated banking machine so that the token may be receivedby a user. As can be appreciated, the opening may be controlled by oneor more suitable gate mechanisms 142 or other mechanisms to help assurethat access to the interior of the machine and the 3D printer fromoutside the machine is prevented. Of course it should be understood thatproduction of tokens corresponding to value is merely exemplary of thetypes of items that may be produced through operation of an automatedbanking machine including one or more 3D printers or other printertypes. For example in some exemplary arrangements the automated bankingmachine may be usable to produce plastic sheet materials. Such plasticsheet materials may include embedded metallic or non-metallic materialswhich may be usable to identify the sheets as genuine and also toindicate the value associated therewith. In addition visible andnon-visible elements may also be produced within or on the sheets so asto provide a visual appearance that may indicate to a user the natureand/or value of the particular item. Such items may commonly includeitems such as scrip, coupons, tickets or other items that arerepresentative of or are redeemable for value. Further in some exemplaryarrangements such items may include embedded items that are includedduring their production in the machine. This may include, for example,batteries, sensors, output devices, input devices or other suitableitems that may be either pre-produced and embedded in the appropriatelocations within the item when it is produced, or alternatively producedby multiple different types of 3D printers and/or other printers ordevices included in the machine. For example and without limitation,some arrangements may include the capability of the automated bankingmachine to produce a token, card or similar article that in itself canbe operated as a transaction terminal that can be operated by a user tocarry out certain types of financial transactions. This may beaccomplished by producing an item that includes a wireless transceiver,input and output devices, contact or non-contact connectors and otherthings necessary to accomplish financial transfers throughcommunication. Such a produced item for example may include thecapability of transferring funds in an amount up to the associated valuethat the user selected in connection with the transaction that resultedin production of the item. Of course this approach is exemplary and manydifferent types of items may be produced utilizing the principlesdiscussed herein.

In some exemplary arrangements the automated banking machine may providetokens, cards or other articles that include circuits includingmicroprocessors and other electronic components. In some exemplaryarrangements the microprocessors and other circuitry may include organicmicroprocessors and other electronic components. Such components may beproduced for example in some exemplary arrangements by depositing thinfilms of alternating layers of organic material (for example, pentaceneand insulators) and metallic materials such as conductive inks forinterconnections. Such layers may be deposited onto a substrate such asa plastic material to produce microprocessors and other circuitcomponents that can execute instructions and other circuit componentfunctions, and to provide outputs via card contacts, RF transceivers orother devices that are usable in connection with providing transactiondata or other information used for purposes of transactions.

In some exemplary arrangements such technology may be utilized forpurposes of providing microprocessors on or in transaction cards thatcan be used to provide verification of the genuineness of the card. Thismay include, for example, producing microprocessor circuitry fromorganic material that carries out algorithmic functions that identifythe particular card as genuine. These algorithmic functions may be thosedeveloped by certain industry standard setting organizations such asEMV. Using such approaches data supplied as signals to circuitry on acard produces a result which indicates that the card is the genuine cardand not a counterfeit. Such techniques are particularly useful inconnection with magnetic stripe cards for which providing the separatecircuitry including processor capability is usable to generateverification values that provide an indication that the card is notcounterfeit. Thus for example in an exemplary arrangement, data from amagnetic stripe on a card may be read by a card reader to provideaccount number and other data related to an account on which atransaction can be conducted. In addition, certain inputs to themicroprocessor circuitry can be used by the circuitry to produce one ormore results. Such one or more output results may be communicated and/orcompared or otherwise used for purposes of comparison to data thatindicates the genuineness of the card. Different types of algorithms maybe used for purposes of the programming of the microprocessors so as toutilize different input values or other parameters to produce resultswhich can be verified as appropriate and corresponding to a genuinecard. As can be appreciated, various forms of encryption and decryptionand other security functions may also be included in such circuitry thatincludes the microprocessor.

In some exemplary arrangements an automated banking machine may beoperated to apply microprocessor including circuits directly to an areaof an existing card. Such microprocessor based circuitry may then beutilized thereafter to verify the genuineness of that particular card.In some exemplary arrangements the microprocessor based circuitry maycommunicate via direct contact with conductive contacts that engage thecircuitry on the card that is applied through printing or othertechniques. In other arrangements the applied microprocessor circuit onthe card may communicate in a wireless manner via radio signals or othersignals similar to RFID tags previously discussed.

In some exemplary arrangements the automated banking machine may operateto take an existing card and with the permission of the user, apply theappropriate circuitry thereto to add verification capabilities that areusable in the future to verify that the card is the genuine card. Inother arrangements, the automated banking machine may operate to buildfor the user a new card or other article that includes appropriatecircuitry to verify that the card or article is genuine.

This may be done in some arrangements, for example, by having a storedgroup of cards or other items which serve as the substrate or base partfor the articles to be produced. The circuits including microprocessorsand other components is then applied to the substrate or base part toproduce an article that can be used to provide transaction data such asaccount number, user name and other information, and then also providesoutputs that can be used to verify that the item is genuine.

In still other arrangements, 3D printer technology may be utilized toproduce an item without the use of a starting substrate or base part. Insome exemplary cases the 3D printer may be operated to produce a cardshaped article that includes therein circuitry and other components thatenable the use of the article as a credit card or a debit card. This mayinclude, for example, circuits including microprocessors or otherdevices produced via substance deposition techniques in appropriateconfigurations. Such circuits are operative to store and securelydeliver account data, verification data and other data that can beutilized to carry out transactions. For example card-like articles thatwirelessly communicate with automated banking machine card readers canprovide account data to be used to carry out purchase or bankingtransactions through connected terminal devices.

In still other exemplary arrangements, articles may be produced thatinclude appropriate circuits that communicate transaction data and/orother data with other devices so that a user can obtain goods orservices through use of the particular item. For example in someexemplary arrangements a 3D printer may be utilized to produce awearable article for a user that provides account data and othertransaction data to systems that communicate with the device. Thisenables a user to make purchases, transfer funds and carry out otherfunctions without need for interaction with dedicated financialtransaction terminals. For example in a transaction environment where auser makes purchases, the user may be provided with a wrist band orpendant that the user can wear while in the area where transactions areenabled to be conducted. Articles that a user can purchase are labeledwith RFID tags or other indicators of a price associated therewith. Bytransporting the items from a location where they can be viewed and arepositioned for sale within the establishment, to another area of theestablishment such as an area adjacent to the exit, wirelesstransceivers determine the particular articles that the user is carryingand the user's account data by communication with the wearable articleworn by the user in the transaction environment. The user's account maythen be automatically charged for the items that are taken.

In alternative exemplary arrangements that article may be produced via3D printing or other techniques previously discussed, and provided to auser in an area where the user may receive and be charged for goods orservices. Such areas may include for example, amusement parks, themeparks, fairs, movie theaters or other areas where a user is chargedbased on where they travel within the establishment or venue. Thearticle provided to the user may wirelessly communicate with sensorslocated in different areas so that the user's account is automaticallycharged for the attractions that are visited and/or services or goodsreceived by the user. This may involve wirelessly sensing the presenceof the article and receiving the account data therefrom as the usertravels adjacent to sensors located at the entrance and/or exits ofvarious attractions/services areas. Thus, for example, in an environmentwhere a user is attending a theme park, the user may be charged forvisiting certain premium areas of the park when their portable articleis sensed within the premium area of the park.

In some exemplary arrangements, the article produced for the user maycorrespond to the particular transaction environment in which thearticle is to be used. For example if the article is to be presented ina theme park, the article may be produced as an attractive pendantincluding a design based on the logos of the theme park or thecharacters (such as cartoon or other characters) associated with thetheme park. Further 3D printing techniques may be used to include in thetransaction article that is produced, personalized information such asthe user's name or initials or features such as words or symbolsselected by a user. For example if a theme park is associated withseveral different cartoon characters, the article produced for the usercan be made in the shape of the user's chosen character that is selectedvia inputs to the automated banking machine that operates to produce theitem via 3D printing techniques. Of course these approaches areexemplary and in other arrangements, other approaches may be used.

In still other arrangements, the transaction articles produced may besuitable for generally continuous use in multiple different transactionenvironments. This would enable the user to use the article that isproduced in making purchases of goods and/or services in anyestablishment where the account data and verification data can be readby suitable sensing equipment. Alternatively such articles produced maybe programmed so that they are limited and can only be used during agiven period of time. For example in the case of a theme park where auser has purchased a one-day pass, the transaction article producedthrough operation of the banking machine may be operable to providetransaction data that is accepted for carrying out transactions onlyduring that day. In still other arrangements wireless or contactcommunication with the article may be used to selectively turn thetransaction capabilities of the item on and off. Thus for example if theparticular article is a token that is usable for making purchases in aparticular type of store, wireless communication or other communicationwith a transceiver may be utilized to turn on the capabilities of thearticle to provide account or other transaction data when a user entersthe store and the capabilities of the article may be turned offautomatically when the user exits. This may be done securely so thatuser transaction data cannot be obtained from the item by unauthorizedpersons. Alternatively or in addition provision may be made for thetransaction capabilities of the article to be selectively turned on andoff by a user. This may be done, for example, by inputs to switches,buttons, keypads or other input devices that are included in thearticle. Such input devices may be included through the 3D printingtechniques or other printing techniques for including circuitry andother features in articles as previously discussed.

Further some exemplary arrangements may include using an automatedbanking machine to produce an article that has additional verificationfeatures. Such features may include, for example, circuit components andmicroprocessors that have the capabilities to receive inputs from users.As previously discussed, such articles may include input devices such asuser actuatable keypads or similar devices that can receive personalidentification numbers or other codes from a user. Thus for example insome exemplary arrangements an article can be produced for a user thatincludes a small keypad into which a user can provide a selected inputthat enables the device to output user account data and/or otherwisecarry out transactions until the capability is disabled. Such disablingcapability may be provided by the user providing an additional inputthrough the keypad or other device. Alternatively in other arrangementsthe article may be made so that use of the device in connection withconducting a transaction causes the circuitry therein to be operableresponsive to the programming of the circuitry, to disable the operationof the device after a single transaction has been conducted. Thereafterthe user would have to provide inputs or otherwise enable the articleagain if the user desired to conduct another transaction. For example insome arrangements if the article has been transaction enabled via inputsfrom a user, the article may wirelessly communicate via RF to deliverdata corresponding to the user's account and data which indicates thegenuineness of the article, in response to signals received from atransceiver associated with a particular merchant terminal or a merchantestablishment. In situations where the article was not transactionenabled, the article would not provide such communications and no suchtransactions could be conducted.

In other arrangements other types of input devices may be included intransaction articles that are produced through operation of theautomated banking machine. Such input devices may include, for example,sensors that are suitable for reading biometric inputs such asfingerprints. For example layers of suitable materials for sensing theridges of a user's fingerprints may be utilized to receive the uniquedata associated with contact with an authorized user's finger. Forexample in some arrangements if the user's finger is not currently incontact with the sensing area of a given article, the article will notoperate to communicate account data with transceivers that are connectedto a transaction system. Alternatively in other arrangements,programming associated with the article may be enabled to remainoperative to deliver account or other data for a period of time afterthe sensing area has been in contact with an authorized user'sfingerprint. In still other arrangements other types of sensing devicesmay be utilized for purposes of verifying codes, images, audible words,voice recognition or other things that are uniquely associated with auser for purposes of verifying that the article is in possession of andis being used by an authorized user to conduct transactions. Of coursethese approaches are exemplary and in other arrangements otherapproaches may be used.

In still other exemplary embodiments enhanced security for card basedtransactions may be accomplished by providing a user with a card, tokenor other device that may be used as an adjunct to their transaction cardwhen carrying out transactions. As previously discussed, enhancedsecurity for card based transactions is achieved by including a circuitincluding a microprocessor on or in a card, which circuit executesalgorithms and produces results which indicate that the card is genuine.Processor chips may be included on magnetic stripe cards for purposes ofverifying card genuineness and reducing the risk that the magneticstripe card has been counterfeited. In such arrangements the fact thatthe magnetic stripe of the card includes proper data identifying theuser and/or their account and the chip on the card, when properlysupplied with certain input signals and/or values produces a particularresult, shows that the card is genuine. However, providing users with acard with both a magnetic stripe and a chip may be more expensive orhave other drawbacks than providing to the user a card with a magneticstripe alone. This is particularly true if the user has already receiveda magnetic stripe card that does not include a processor chip.

In exemplary arrangements in order to provide enhanced security, theuser is provided with a separate article that can be used in conjunctionwith the magnetic stripe card. In some exemplary arrangements the useris provided with a card or token that includes a circuit including aprocessor programmed with suitable program instructions to produceresults that can be used to verify authenticity of a card. Suchprogrammed instructions may correspond to the logarithms developed byEMV Co. and which have been adopted by many transaction processors andcard issuers. Of course these approaches are exemplary and in otherembodiments other types of algorithms for card verification routines maybe utilized.

In some exemplary arrangements the circuitry embedded in the validationdevice may include wireless communication capabilities so as to enablenon-contact communication with a transaction terminal such as anautomated banking machine. Such communication may include radiofrequency communication of messages with a transceiver positioned in themachine. Such a transceiver may include an RF transceiver positionedwithin the card reading device of the banking machine that reads themagnetic stripe data on a card. Alternatively the transceiver may belocated in another location on the automated banking machine. Anadvantage of positioning the transceiver in the card reader is that itmay be used to communicate with circuits including microprocessors thatare embedded in cards that include a magnetic stripe, as well as withseparate verification articles that are separate from the magneticstripe card. For example in some arrangements the transceiver mayoperate to communicate with the verification article which is positionedin close proximity to the card slot of the automated banking machine. Insuch arrangement while the card bearing the magnetic stripe is receivedand read by the card reader, the verification article is placed in closeproximity to the card reader slot and communicates with the transceiverso as to receive the initiation messages and provide the results inresponse thereto so as to confirm the genuineness of the associatedmagnetic stripe card. Further in exemplary arrangements, theverification article is programmably changeable through communicationwith the transceiver so that in subsequent transactions the verificationresults data produced through operation of the circuit andmicroprocessor on the verification article corresponds to differentresults required to verify the identity of the magnetic stripe card insuch subsequent transactions.

In other arrangements the verification article may include other typesof devices. For example in some arrangements the verification articlemay comprise a wearable computer device which is worn by a user. In sucharrangements the programming associated with providing the results datato the transaction terminal which confirms the authenticity of themagnetic stripe card, is provided through communication with the RFtransceiver and processor circuitry included in the wearable computerarticle. The processor included in the wearable computer executes thealgorithms that provides the results which verify the authenticity ofthe card. Further one or more data stores associated with the wearablecomputer article enables the results to be modified and to correspond towhat is required to authenticate the card in subsequent transactions.Further in some exemplary arrangements the wearable computer article mayinclude data for multiple magnetic stripe cards so that each may beauthenticated through communication with the wearable article. As aresult the wearable computer device can serve as the verificationarticle for multiple magnetic stripe cards.

In still other exemplary arrangements a portable communication devicesuch as a smart phone may include programs that cause the at least oneprocessor in the smart phone to execute the verification algorithms thatreceive inputs and produce results that can be used to authenticate oneor more magnetic stripe cards. Such a smart phone may communicate viaradio frequency communication with a transceiver in an automated bankingmachine so as to receive the initiation data and provide the necessaryresults which help to prove the authenticity of the card. This may bedone via communication by a near field communication, Bluetooth or othersuitable communication type.

Thus these exemplary arrangements enable a magnetic stripe card thatdoes not include a processor thereon to nonetheless be verified as agenuine card by a user having possession of the verification articlewhich executes the verification algorithms and provides to a transactionterminal the one or more results that indicate that the card and/orcard-article combination is genuine. Such approaches can be used toavoid the need to deploy magnetic stripe cards that have includedthereon processors which execute algorithms to verify the genuineness ofthe card. Of course these approaches are exemplary and in otherembodiments other approaches may be used.

In still other exemplary arrangements remote communications may beutilized for purposes of verifying the genuineness of a transaction cardsuch as a magnetic stripe card. In such exemplary arrangements, aportable device such as a smart phone with the ability to communicateover a wide area network may execute the algorithms that produce resultswhich demonstrate the genuineness of a card. These may include, forexample, the EMV algorithms or other algorithms that are normallyexecuted on a microprocessor chip that is resident on a card. Ratherthan providing short distance RF communication as in the previouslydescribed embodiment, such a smart phone or other device may provideother wide area network communications such as via cellular phone orwireless Internet connections to the transaction processing host thatprocesses the card data. The communication of the verification data viathe wide area network may be encrypted to further assure that suchcommunications are not fraudulent. Further in order to avoid the risk offraudulent communications, the location of the verification articlewhich comprises a portable wireless device such as the smart phone, canbe determined by the one or more computers associated with the systemvia global positioning system signals to verify that the device is inproximity to the transaction terminal. This may be done using featuressuch as those disclosed in U.S. Pat. Nos. 8,479,983; 8,505,814;8,540,147 and/or 8,561,889 the disclosures of each of which areincorporated herein by reference in their entirety.

Of course it should be understood that these approaches may be combinedor used in conjunction with other approaches that are described in theincorporated disclosures for purposes of verifying that a transactionthat a user is requesting at an automated banking machine or othertransaction terminal, is authorized by the user. Such approaches mayinclude, for example, approaches where the user is contacted via theirsmart phone or other mobile wireless device through an automated system,and requested to provide at least one input to verify that thetransaction should proceed. In such arrangements the portable wirelessdevice of the user may operate not only to provide a message to thesystem to indicate that the transaction should proceed, but may alsocommunicate with the system to receive the necessary initiation data andprovide the results which demonstrate that the user card being utilizedin connection with the transaction, is genuine. Such systems may utilizefeatures such as those described in U.S. Pat. No. 8,353,450 thedisclosure of which is incorporated herein by reference in its entirety.Of course these approaches are exemplary and in other arrangements otherapproaches may be used.

FIGS. 9-17 describe an alternative automated banking machine generallyindicated 143. Machine 143 is generally similar to machine 12 previouslydescribed except as otherwise indicated.

Machine 143 includes at least one recycler module generally indicated144. In exemplary embodiments the recycler may be a belt type recycler.Exemplary arrangements may include features like those described in U.S.Pat. Nos. 6,367,692; 6,367,691; and/or 6,264,102 the disclosures of eachof which are incorporated herein by reference in their entirety.

The exemplary embodiment further includes one or morecleaner/disinfecting devices generally indicated 146. In exemplaryembodiments the cleaner/disinfecting devices may include one or moreultraviolet radiation emitting devices. Such a device may be used in anultraviolet germicidal irradiation (UVGI) cleaning/disinfecting method.Such devices may be operative to emit UV-C or other radiation thatoperates to kill bacteria and viruses on surfaces, including thesurfaces of currency bills (which are alternatively referred to hereinas notes). In addition or in the alternative the cleaner/disinfectingdevices may also include devices that operate to scrub currency notesand to apply vacuum or other forces designed to cleanse the surfacesthereof of impurities and other unwanted substances. In somearrangements the cleaner/disinfecting devices may be usable to killdisease transmitting organisms that may reside on the surfaces ofcurrency bills. Alternatively or in addition in some arrangements suchcleaner/disinfecting devices may be usable to remove undesirablesubstances such as the residue of illegal drugs or contaminants or otherimpurities that may be present on bills, so that such substances cannotbe detected or absorbed through the skin by persons who receive andhandle such bills.

FIGS. 10-12 schematically show certain components of exemplary automatedbanking machine 143. In the exemplary arrangement the automated bankingmachine includes a lower chest portion 148. Chest portion 148 includesbill dispenser mechanisms 150. The exemplary bill dispenser mechanisms150 may operate to selectively dispense currency bills that are storedin the machine and deliver them to machine users through a presenter152. Thebill dispenser mechanisms include features of the type shown inU.S. Pat. No. 7,780,073, the disclosureof which is incorporated hereinby reference in its entirety. In other exemplary arrangements the billdispenser mechanisms may include bill recycler mechanisms. These mayinclude mechanisms that both receive and store currency bills and alsoselectively dispense currency bills from storage. These currencyrecycler mechanisms may operate in the manner of incorporateddisclosures, including U.S. Pat. Nos. 6,331,000 and 8,356,748, thedisclosures of each of which are incorporated herein by reference intheir entirety. Further in some exemplary arrangements the automatedbanking machine may include some mechanisms that are suitable only fordispensing sheets from storage, while others are usable to both receiveand store as well as dispense sheets. The particular configurationutilized will depend onthe particular requirements of the machine.Further in the exemplary arrangement the chest 148 houses the belt typerecycler mechanism of the exemplary arrangement 144. Of course it shouldbe understood that the exemplary embodiments include actuators,controllers, sensors and many other mechanisms not specifically shownthat enable the machine to carry out the functions that are hereinafterdescribed.

The exemplary automated banking machine 143 further includes a tophousing portion 154. The top housing portion 154 is positioned above thechest and houses the machine controller 156. The top housing 154 alsosupports the display 158 and the keypad 160. The exemplary top housingfurther supports the card reader 162 and the printer 164. The tophousing also may support additional devices such as function keys, inputdevices, output devices, transceivers and other suitable devices for theoperation of the machine.

In the exemplary arrangement the automated banking machine 143 isoperative to utilize the cleaner/disinfecting devices 146 to producecurrency bills that are generally free of bacteria, viruses and otherpotentially harmful items so as to reduce the risk of disease (or otherillnesses) that may occur from handling such items. This is done in theexemplary embodiment by operating the currency dispenser mechanismsresponsive to the at least one controller 156 when the machine is notperforming transactions for a user. This is done as represented in FIG.10 by the machine operating to move currency bills from at least onebill dispenser mechanism 150 into storage on the belt recycler 144.During the exemplary operation the cleaner/disinfecting devices operateso as to irradiate the bills before they are loaded onto storage in thebelt recycler device using UV-C emitters. In the exemplary arrangementthe bills moving into storage on the bill recycler move in supportedconnection with sets of transversely staggered belts. These belts whichmove the bills into engagement with a bill storage roll 147 of the beltrecycler are offset so that all of the surface areas of all the billsare irradiated.

Further, in some exemplary arrangements the belts which move thepreviously irradiated bills include impregnated silver or othersubstances that are operative to retard the growth of harmful bacteria.Similarly, the storage roll, tape, or other storage media can includesuch substances that will retard and/or prevent the growth ofundesirable bacteria and viruses on currency bills. In this way themachine operates to store a supply of clean, disinfected bills on thestorage roll 147 of the bill recycler 144. In alternative embodiments,cleaned or disinfected currency bills can be stored by the machine inone or more currency cassettes instead of (or in addition to) on thestorage roll 147. Such a currency cassette can be designated (orrecognized) by the controller (or the machine) to only contain (or hold)cleaned or disinfected currency bills.

Further in some exemplary arrangements the cleaning/disinfecting devicesmay operate to not only irradiate the bills but also to clean the billsso as to remove undesirable substances. This may include, for example,passing the bills through a cleaning mechanism such as sets of movingbrushes or other devices to loosen particulate materials or othermaterials that are adhering to the bills.

Further in exemplary arrangements a vacuum system may operate to pulland collect the impurities that are dislodged from the bills so as tocarry the impurities away from the bill surfaces. Such systems may beused for example to remove residues of narcotics that may be present onthe surfaces of bills that have been passed by persons who use or dealin illegal drugs. This may avoid, for example, persons receiving fromthe machine currency bills that may cause drug sniffing dogs or othernarcotics sensing systems to be triggered from the use of the particularbills. Of course it should be appreciated that additional or alternativemethods for cleansing bills and disinfecting bills may be used. This maydepend on the quality of the particular bills. For example in somecountries where plastic currency notes are used, certain solvent orother cleaning materials may be appropriate for use in connection withdisinfecting such bills that would not be appropriate for use inconnection with paper or cloth bills. Alternatively in some arrangementsheating or cooling devices may change the temperature of bills to killundesirable organisms. Of course the particular type ofcleaner/disinfecting devices included in the automated banking machinewill depend on a number of different circumstances that are involved andthe particular substances and organic material that is desired to beremoved or neutralized.

The exemplary embodiment of the automated banking machine may beoperated responsive to programmable instructions stored in the one ormore data stores associated with controller 156. The exemplary logicflow carried out by machine 143 is represented in FIGS. 13-17 . Inoperation of the exemplary machine, the user may be prompted through aninitial display screen output to input their user card to the cardreader of the machine. This is represented in step 166. The controller156 in the machine operates to cause the card reader to read data fromthe card that is usable to identify the financial account. This isrepresented in the step 168. The controller then operates in accordancewith its programming to output through the display a prompt messagewhich instructs the user to input their personal identification number(PIN). This is represented in a step 170. The controller then operatesto receive the user input of the PIN through the keypad in a step 172.

The controller 156 then operates to cause the display to output at leastone screen that prompts the user to make a transaction selection. Thismay include a step that presents the user with a display prompt toselect a particular account on which their transaction is to beconducted, such as checking or savings. This is represented in a step174. For purposes of this example, it will be assumed that the userrequests the transaction that includes a dispense of cash from themachine. The controller operates to receive the user's input request toreceive cash through one or more input devices. This is represented in astep 176. Once the user has input their selection to receive a cashdispense, the controller operates to provide at least one output throughthe display that prompts the user to input the amount of cash they wishto have dispensed. This is represented in step 178. The controller thenoperates to receive the user input amount through a user input device onthe machine. This is represented in a step 180.

In the exemplary arrangement the program steps stored in the at leastone data store associated with controller 156 include data that enablesthe controller to output a display that prompts a user to provide atleast one input concerning whether they wish to receive clean anddisinfected cash from the machine. This is represented in a step 182.The machine also provides at least one output that indicates to a userthat a charge will be assessed for receiving clean and disinfected cashfrom the machine. This is represented in a step 184. Steps 182 and 184may be combined as a single step. In response to these outputs, themachine operates to receive at least one input from the user whichindicates whether they wish to receive clean and disinfected cash fromthe machine or not. The receipt of this indicating input is representedin the step 186.

After receiving the input from the user concerning whether they wish toreceive disinfected and cleaned cash, the at least one controller 156operates in accordance with its programming to send the transaction dataassociated with the user selected transaction to the remote hostcomputer. This is represented by step 188. The host computer of theexemplary embodiment operates in a manner like that previously describedto obtain a determination whether the transaction is authorized or not.It should be appreciated that in this exemplary embodiment the user hasselected to receive cleaned cash from the machine. The associatedsurcharge associated with receiving the cleaned cash will be included inthe amount to be assessed to a user's account if the transaction isapproved. If the user has not elected to receive cleaned and disinfectedcash from the machine, the surcharge is not included in the transactiondata sent to the host concerning the amount of the transaction. Ofcourse it should be understood that this approach is exemplary and otherapproaches, such as independently assessing the surcharge fee throughseparate machine communications with the host or another computer (e.g.,a remote server), may alternatively be used.

As represented in a step 190, the automated banking machine receives aresponse from the host which indicates whether the transaction isapproved or not approved. The at least one controller operatesresponsive to the received host message in a step 192. If thetransaction is not approved, the at least one controller 156 operates tocause the display to provide an output that the transaction has beendenied. This is represented in a step 194. The controller also operatesto return the user's card in a step 196 and returns the machine to await state for the next transaction.

If in step 192 the transaction is indicated to be approved, the at leastone controller 156 then makes a determination whether the user haselected to receive cleaned and disinfected cash from the machine. Thisis indicated in a step 198. If the user has not elected to receivecleaned and disinfected cash from the machine, the at least onecontroller operates in accordance with its programming to dispense thecash from the bill dispensing mechanisms 150. This cash has not beencleaned or disinfected through operation of the machine. This isrepresented by a step 200. The machine is operated to dispense the cashto the user and provide (e.g., print) a receipt as reflected in step202. The controller then operates the machine in step 204 to cause thecard reader to return the card to the user. The controller 156 thenoperates to notify the host that the cash was successfully dispensed tothe user so that the host or other connected server may assess theuser's account for the value of the cash dispensed. This is representedin a step 206.

In the exemplary embodiment if the user has elected in step 198 toreceive (high) quality cash (e.g., uncirculated, new, cleaned, and/ordisinfected cash), then the at least one controller operates at step 212(in FIG. 17 ) to cause the quality cash stored in the recycler 144 to bedispensed to the user. This is accomplished by the controller operatingto remove bills from the storage roll of the belt recycler 144 and tostack the clean bills in a stack 208 of the presenter 152, as shown inFIG. 11 . Once the stack of cleaned and disinfected currency bills hasbeen built in the presenter, the stack 208 is moved through operation ofthe presenter through a bill outlet opening 210 from which the billstack may be taken by the user. This is represented in FIG. 12 . In someexemplary embodiments the bill cleaning and disinfecting devices such asultraviolet emitters or other irradiation devices may operate during thetime period when the bills are being delivered from the belt recycler144 and to the presenter. Further UV disinfecting devices and otherdevices 146 may be operated in various other locations in the machine tohelp assure that the bills which have been disinfected do not attractcontaminants as they are moved from the belt recycler to the user. Ofcourse this approach is exemplary and in other embodiments, otherapproaches may be used.

In some exemplary arrangements the machine may be operated without theneed for the user to physically contact input devices on the machine.For example, in some arrangements the machine interface may include oneor more cameras that are operative to capture images which include theposition of the machine user's fingers as they approach keys, buttons,the surface of a touchscreen or other input devices on the machine. Atleast one controller in the machine may operate responsive to the imagedata to determine movements and/or positions of the user's finger orfingers in proximity to the various input devices. A mid-air hapticsoutput device like that previously discussed is operative responsive tothe determined finger movements and/or finger positions of the user, tocause the user to sense that they are contacting input devices on themachine when the user's fingers are actually disposed away from thephysical input devices. This avoids the need for the user to physicallycontact the input devices in a manner that may result in a transfer ofbacteria, germs, viruses etc. from the devices to the user's fingers.The at least one controller determines inputs from the user to themachine based on the determined positions and/or movements of the user'sfingers in proximity to the input device locations as calculated by theat least one controller. Alternatively in other arrangements theautomated banking machine may include radiation output devices whichproduce holographic images that are visible to the machine user and thatcorrespond to the appearance of input devices of the machine. Suchholographic images may correspond to input locations to which the usermay provide finger movements to provide machine inputs without the needto physically contact input devices on the machine. Cameras and a fingerposition image tracking controller may operate to determine inputs basedon movements and/or positions of the user's finger or fingers. Mid-airhaptics output devices may provide the user with the tactile feel ofcontacting physical input devices that correspond to the holographicoutput images. Of course these approaches are exemplary and in otherembodiments other approaches may be used to avoid the need for the userto physically contact the machine to provide inputs.

In an exemplary embodiment a clean currency bill has at least one higherfactor of cleanness relative to a non clean currency bill. For example,factors of bill cleanness can include newness, age, received a cleaningtreatment (e.g., radiation treated), timeliness of cleaning treatmentreceived, type of cleaning treatment received, material quality (e.g.,paper quality) of the bill, uncirculated versus circulated, etc. A nonclean currency bill can include for example a bill that has been used inpublic circulation, or a bill that has at least one defect detected by anote analyzer of the machine, or a bill that has not been treated by themachine, etc. A factor of cleanness can be deemed (or recognized ordesignated or determined) by at least one controller associated with themachine. Again, an exemplary automated banking machine can dispense bothclean and non clean currency bills (or notes) of the same denominationvalue.

As represented in FIG. 17 , the machine operates to dispense the cleanedand/or disinfected cash to the user from the machine as represented instep 212. Thereafter the machine operates in accordance with itsprogramming to provide (e.g., print) a receipt for the user asrepresented in step 214. The at least one controller 156 then operatesto cause the card reader to return the card to the user in a step 216.The controller then operates to notify the host computer that the cashwas dispensed successfully from the machine. This is represented in astep 218. As previously explained, the messages from the automatedbanking machine cause the host to assess the user's account for thevalue of the cash dispensed including the surcharge for the userreceiving the cleaned and disinfected cash. Further in this exemplaryarrangement the at least one controller 156 operates in accordance withits programming to then (if determined necessary) replenish the supplyof cleaned and disinfected cash stored in the recycling mechanism 144.This is done in the manner previously described by moving currency billsfrom the dispensers 150 into the storage roll of the recycler 144. Thisis represented by a step 220. Of course it should be understood thatthese transaction flows are exemplary and in other automated bankingmachine arrangements, other or alternative approaches may be used forproviding a user with bills that have been cleansed of potentiallyharmful or undesirable impurities.

In other exemplary embodiments the machine 143 can operate to analyzethe quality of currency notes stored in the cash dispenser 150. Forexample, during a cash reloading process the cash dispenser 150 issupplied with currency notes. The added currency notes may be insidecurrency cassettes that get inserted into the cash dispenser 150. Thecontroller is programmed to cause notes to be removed from thesecurrency cassettes and then moved past a note analyzer, which canmeasure several factors of note quality. The note analyzer can be usedto determine whether a note is of high quality. For example, a highquality note may not need to be cleaned and/or disinfected. As a result,a high quality note can be directly placed (without cleaning) onto astorage roll of the recycler 144. Of course notes determined to be ofhigh quality may also be thoroughly cleaned before being stored onto astorage roll of the recycler 144.

In another exemplary embodiment a designated portion of the cashdispenser 150 includes currency cassettes that hold uncirculated (brandnew) currency notes. That is, these notes have never been in publiccirculation. Thus, these notes should be relatively free of any dirt,disease, germs, viruses, harmful bacteria, etc. The controller isoperable to maintain a real time count of the quantity of uncirculatednotes (and their respective denominations) that are available to bedispensed by the machine. Uncirculated notes can be dispensed to userfor an extra fee. The fee assessed to a user can vary. For example, theextra fee may be on a per note basis, a single fee for a specificquantity of notes (e.g., three notes), or a single fee for the entirecash dispense, etc. The uncirculated note fee may be waived for selectusers, such as VIP customers. Also, some machine users may be permittedthe option to withdraw more uncirculated notes than other users.

The uncirculated notes stored in the machine may also be of higherdenominational value than regular (unclean) notes stored in the machine.For example, an uncirculated note may be a $50 and/or a $100 bill,whereas a regular note may be a $20 bill. As can be appreciated, thearrangements allow a user of an automated banking machine (e.g., an ATM)the ability to easily obtain an uncirculated note, such for use as agift.

FIG. 20 shows a further exemplary programming logic flow that can becarried out by the machine 143. As can be seen, the machine can receivea user request for a cash withdrawal transaction which includes qualitycash and user acceptance of the extra quality cash fee. The machinesends a transaction authorization request to the host. The authorizationrequest includes the cash withdraw amount and the extra fee amount. Theamounts are presented to the host to be assessed against the user'saccount. The amounts may be combined by the machine into a single totalvalue that is presented to the host. Upon host approval of thetransaction, the machine operates to dispense the requested amount ofquality cash. Upon host disapproval of the transaction, the machineoperates to notify the user that the transaction request is denied,which may include ending the user session with the machine.

FIG. 21 shows a further exemplary programming logic flow that can becarried out by the machine 143. As can be seen, the machine candetermine the real time quantity and denomination of both clean(quality) and unclean (regular) notes currently available to bedispensed.

The machine can compare a requested amount of quality cash to the amountof quality cash currently available. If available, then the total amountof quality cash can be dispensed. Otherwise the user can be informedthat the requested amount of quality cash is unavailable. The logic flowmay then lead the user back to a screen where a smaller amount ofquality cash can be requested. For example, the machine may notify theuser of the total amount of quality cash available to the user. Themachine may also provide the user an option to mix regular notes withquality cash to meet the total cash withdrawal amount. The logic flowmay eventually lead the user back to a screen where a regular cashdispense can be requested.

The machine can also compare a requested amount of regular cash to theamount of regular cash currently available. If available, then the totalamount of regular cash can be dispensed. Otherwise the user can beinformed that the requested amount of regular cash is unavailable.Alternatively, the machine logic flow may try to meet the requestedtotal cash withdrawal amount by mixing the available regular notes withsome quality cash (e.g., a small amount, such as one note). The userwould not be charged a fee for receiving the quality cash.

FIG. 22 shows a further exemplary programming logic flow that can becarried out by the machine 143. As can be seen, the machine cancommunicate with a server to determine whether the current user is in aspecial program (e.g., a VIP user). The machine-to-serve communicationis independent of the transaction host. That is, the machine can(directly) communicate with the server without involving the host in thecommunication path.

The machine sends user data (e.g., account data or other useridentifying data) to the server. The server operates to determinewhether the user data corresponds to VIP user data. The server canaccess a data store that includes the VIP user data for a plurality ofusers that are to automatically receive quality cash. Depending on theVIP program, the user may or may not be assessed the extra fee. As canbe seen, if the user is determined to be a VIP then the logic flowcauses the machine to bypass presenting the normal user option to selectpurchasing quality cash. The machine can send a transactionauthorization request to the host. Again, the machine has an ability tosend an authorization request that does not include the extra fee thatis normally assessed to a user account for receiving quality cash.

As can be seen, if the user is determined not to be a VIP then the logicflow causes the machine to present the user option to select purchasingquality cash. If the non VIP user selects to pay the fee to receivequality cash then the machine sends a transaction authorization requestto the host that includes the extra fee for receiving quality cash. Theextra fee can be assessed to the user's account through operation of thehost. As discussed in more detail later, in other embodiments the extrafee can be assessed by use of an independent server instead of the host.

FIG. 23 shows a further exemplary programming logic flow that can becarried out by the machine 143. As can be seen, the machine canindependently communicate with a server which can assess the extra feeassociated with a quality cash dispense. The charging of the extra feeamount can be a separate financial transaction that is carried outindependent of the cash withdrawal transaction. That is, the extra feetransaction can be performed independent of host involvement. The hostcan still handle (and approve) the cash withdrawal transaction.

As shown, user data (e.g., a user account number or data usable todetermine a user or an account) can be sent from the machine to theserver. The server can communicate with one or more financial computersto determine whether the user account can cover (is good for) the extrafee. The server may assess (debit or charge) the fee at this time in thelogic flow or may wait until later receiving a confirmation message fromthe machine that the amount of quality cash was properly dispensed fromthe machine. The server notifies the machine of the determination. Uponreceiving a fee approval message from the server, the machine operatesto carry out the dispense of the requested amount of quality cash.However, upon receiving a disapproval message from the server themachine operates to either end the user session or allow the user anoption to request a cash withdrawal involving regular cash. It should beunderstood the steps shown are exemplary, and in other embodiments otherarrangements of the steps can be used. For example, the machine may benotified of the server's determination regarding the extra feeassessment before the machine sends the transaction authorizationrequest message to the host for approval of the cash withdrawaltransaction. Again, the machine logic flow allows for both onetransaction portion carried out through machine-to-host communicationand another transaction portion carried out through machine-to-servercommunication. Each communication portion can be independent of theother.

It should be understood that the logic flows shown in FIGS. 20-23 areexemplary. That is, in other automated banking machine logic flowarrangements, other or alternative approaches or programming may be usedfor providing a user with quality cash. Likewise, other or alternativeapproaches or programming may be used for assessing (if necessary) theextra fee.

In alternative embodiments automated banking machines may accept and/ordispense other types of documents that may be desirably disinfected. Forexample, such machines may accept and disinfect financial checks,tickets, vouchers or other types of documents representative of value.Disinfecting such documents may reduce the risks of contacting virusesor bacteria by persons who subsequently receive or handle suchdocuments. Machines for handling such documents may include featureslike those described in the following U.S. patents, the disclosures ofeach of which are incorporated herein by reference in their entirety:U.S. Pat. Nos. 7,780,073; 6,331,000; 8,356,748; 8,763,897; 8,695,874;8,695,873; 8,701,985; 8,613,388; 8,608,060; 8,608,055; 8,573,483; and8,517,260.

FIGS. 18 and 19 represent the software and controller architectureassociated with an alternative exemplary automated banking machine. Ascan be appreciated in exemplary embodiments the controller includescircuitry which has one or more processors that execute computerexecutable instructions. Computer executable instructions correspondingto various types of computer programs are stored in the at least onedata store associated with the processor. These computer executableinstructions when executed cause the machine to operate to carry out thetransaction functions such as the functions previously described.

The exemplary computer executable instructions include a number ofdifferent software programs. These software programs as represented inFIG. 18 may include an operating system schematically indicated 222.Operating system 222 may include, for example, a Windows® operatingsystem, a Linux operating system, a Chrome operating system or othersuitable operating system for the particular environment in which theprocessor and associated software operate. The operating system alsocommunicates via a communications bus schematically indicated 224.Communications bus 224 may include a proprietary or non-proprietarycommunications bus such as for example a Universal Serial Buscommunications architecture that is suitable for communicating withtransaction function devices generally indicated 226, which are laterdescribed in detail. The exemplary software architecture includes aplurality of device drivers schematically indicated 228. Device drivers228 provide an electronic communication interface to the transactionfunction devices 226. In the exemplary arrangement specific devicedrivers for each particular transaction function device are included inthe software architecture.

In the exemplary arrangement the device drivers 228 are in operativecommunication with an XFS interface 230. The XFS interface may in someexemplary arrangements comprise a device interface layer that meets therequirements of the CEN Extensions for Financial Services Standard. ThisStandard provides a standardized software interface for numerousdifferent types of devices that are used in financial systems. Byincluding an XFS interface the exemplary software architecture providesa standardized software interface to which different software developersmay interface their machine operating software applications. This ispossible because the communications that are necessary to operate andreceive data from the devices are presented in a standardized formatwhich is available to application developers. Of course this approach isexemplary.

Further in the exemplary software architecture a software application232 is included. In the exemplary embodiment the software applicationincludes the computer executable instructions that are executed by theat least one processor of the at least one controller to cause themachine to carry out the transaction functions of the machine. Inexemplary arrangements the application software is what causes themachine to perform the necessary activities and to operate the variousdevices so as to enable the machine to carry out the various types offinancial transactions of which it is capable.

The exemplary software architecture further includes some other programsincluding security software programs represented 234. The securitysoftware 234 may include types of software that are suitable for theparticular type of automated banking machine. Such security software mayinclude, for example, firewall software that prevents the machine fromconnecting to unauthorized network addresses. Security software may alsoinclude software that is usable to identify viruses or other exploitsthat might execute on the machine. The security software may alsoinclude software that operates to enable security features of themachine and provide secure communications of the type hereinafterdescribed. The exemplary software architecture further includes certainutilities schematically represented 236. Utility software may include,for example, software that is needed to perform ancillary functionsassociated with the machine. This may include, for example, softwarethat keeps track of currency stored in the machine so that the machinecan report its current status to one or more remote computers. Theutility software may also include in some arrangements predictivemaintenance software which monitors aspects of machine operation andreports conditions that are likely to need attention in the near future.This may include potential device failures, replenishment of suppliessuch as paper, cash or other things that will likely need to be done tothe machine. Various types of utility software may be included in thesoftware of the machine depending on the particular type of automatedbanking machine involved.

As represented in FIG. 18 , the exemplary transaction function devicescommunicate messages through the bus 224 with the controller thatincludes the representative software stack. The transaction functiondevices in the exemplary arrangement include a card reader 238.

Another transaction function device of the exemplary arrangementincludes an encrypting PIN pad 240. A thumbprint reader 242 which is aninput device usable to receive identifying inputs from users is alsoincluded in this exemplary arrangement. As schematically representedeach of the devices 238, 240 and 242 include one or more circuits whichhave respective processors and data stores. The circuits are capable ofcarrying out computer executable instructions stored in their respectivedata stores to enable these devices to not only carry out functions butalso to provide security features in a manner hereinafter discussed.

Another exemplary transaction function device that is included in thisautomated banking machine is a check scanner 244. Check scanner 244operates to produce images of financial checks that are received throughthe check scanner. The check scanner also includes circuitry whichincludes at least one processor and at least one data store asschematically represented. Check scanners and other devices used inexemplary arrangements may include features like those described in U.S.Pat. Nos. 8,418,916; 7,922,098; 7,837,096; 7,815,104; and/or 7,595,816the disclosures of each of which are incorporated herein by reference intheir entirety. In addition numerous other types of devices generallyreferred to as 246 may be included in the machine. Devices 246 may be ofthe types previously described such as displays, portals, outputdevices, input devices, sensing devices or other types of devices thatmay be included in the machine. Of course additional or differentdevices may be included in various embodiments.

Shown in FIG. 19 , the software components referred to in FIG. 18 areexecuted in a controller 248 of the exemplary machine. The controllerincludes one or more circuits that include one or more data storesschematically indicated 250. Data store 250 of the exemplary embodimentmay include a processor controlled hard drive or other suitable datastorage unit that is controlled through operation of at least oneassociated processor. The control circuitry of the exemplary embodimentfurther includes at least one processor schematically indicated 252. Theprocessor 252 may include an Intel iCore processor or other suitableprocessor having structures and features like those previously describedthat is capable of executing the instructions stored in the at least onedata store.

The exemplary controller further includes a trusted platform module(TPM) schematically represented 254. The trusted platform module of theexemplary embodiment operates in accordance with programmed instructionsand provides a security device to reduce the risk of unauthorizeddevices operating in the machine. Further the trusted platform modulemay also be used to assure that the devices which operate in the machinehave not had their software programming modified from documented secureprogramming conditions. Such changes in software in the devices mayresult from attempts to conduct exploits on the machine. Further inexemplary arrangements the trusted platform module may operate toprovide secure communication between the controller and one or more ofthe transaction function devices in the machine. Exemplary embodimentsmay include features like those described in the following U.S. Patents,the disclosures of which are incorporated herein by reference in theirentirety: U.S. Pat. Nos. 8,474,698; 8,342,395; 7,988,039; 8,448,850;7,967,193; 8,100,323; 8,052,048; 8,052,047; 8,038,057; 7,988,039; and7,229,009. Of course it should be appreciated that although in someexemplary arrangements the trusted platform module is utilized toprovide secure communications and secure operation of the controller andthe associated devices, in other arrangements other hardware andsoftware may be utilized to accomplish these functions.

In exemplary embodiments the software architecture operates to avoidpossible security problems that might otherwise arise due to compliancewith the CEN XFS Standards, particularly security vulnerabilities arepossible due to the required standardized interface between theapplication and the device drivers, and which requires that certain datathat is received through or produced by the transaction function devicesmust be presented to the application so that the application can carryout the necessary transaction steps. Presenting the data to theapplication in the required standard and/or unencrypted format maypresent issues as criminals may be able to intercept the data within themachine at the standardized interface.

In the exemplary arrangement the devices that are enabled to providesecure communication between the devices and the controllers areoperated to prevent the transmission of sensitive data through the XFSdevice interface. This is accomplished by using substitute data whichcan then be correlated through operation of the originating device withthe actual data that is needed for the transaction. Such actual data maythen be sent from the device to the controller in a secure and encryptedmanner to avoid the unauthorized interception thereof.

In exemplary arrangements a card reader may read card data from themagnetic stripe of a user card. Alternatively or in addition the cardreader may operate to read data from a chip of a smart card. This may bedone via electrical contacts or via wireless communications. Such dataread through operation of the card reader may be caused to be stored inaccordance with the programming of the processor associated with thecircuitry of the card reader in the at least one data store of thecircuitry. In some exemplary arrangements the circuitry of the cardreader may operate to cause the card data and/or chip data to be storedin an encrypted manner.

Responsive to the programming of the circuitry of the card reader,instead of sending the card and/or chip data to the XFS interfacesoftware layer, the card reader operates to produce substitute data thatcan be correlated through operation of the circuitry in the card readerwith the actual read data from the card. Substitute data which may bealternatively referred to herein as pseudo or token data, produced bythe card reader may then be utilized and passed through the XFSinterface to the application. The application may be configured tooperate to then securely recover the actual card data at an appropriateplace in the transaction steps when such data is needed. Alternativelyin some arrangements the security software included with the softwareinstalled on the machine may operate to determine when the card data isneeded and take the necessary steps to cause communication with the cardreader to recover the actual data. In the exemplary arrangement when theapplication calls for the card data, the at least one controlleroperates in accordance with its programming to communicate securely withthe control circuitry in the card reader 238. The application and/or thesecurity software communicates the substitute data to the card readerthat then operates in accordance with its programming to recover theactual card data. Such card data can then be recovered from the datastore in the card reader and transmitted in a secure and encryptedmanner to the application layer or the security layer where the actualcard data needed for carrying out the transaction is resolved andutilized for purposes of further carrying out the transaction steps. Ascan be appreciated, this approach avoids passing the card and/or chipdata in a clear and unencrypted manner through the XFS interface.

Similar approaches may be utilized with certain secure input devicessuch as the exemplary thumbprint reader 242. Again the thumbprint readermay operate in accordance with its programmed control circuitry toprovide data that is a substitute for the actual data which is read fromthe user's thumbprint. Instead the substitute data is utilized by thethumbprint reader to recover the actual data. The controller operates inaccordance with the software programming to transfer the substitute datathrough the XFS software interface to the software application. Againthe security related software for the application operates to causecommunication with the thumbprint reader so that when the actual data isneeded, secure communication of the substitute data is sent to thethumbprint reader. The thumbprint reader then recovers the actual dataand transmits it in a secure and encrypted manner to the applicationwhich then may utilize it for purposes of carrying out the transaction.

Other exemplary embodiments may include secure operation of the checkscanner. The check scanner produces images of checks that are receivedthrough operation of the machine. These checks include private data suchas the check writer's account number, the check writer's name andaddress and other information that may present privacy concerns. Inexemplary arrangements to minimize the risks associated withtransmitting this data and/or images in the clear through a standardizedinterface, substitute data is generated through operation of thecircuitry in the check scanner. The substitute data is then correlatedwith stored data in the data store of the check scanner. Again as withthe other examples the substitute data is processed and passed throughthe software layers. The substitute data is utilized until the actualdata is needed by the application. At the point in the transaction wherethe actual data is required, secure communication of the substitute datato the check scanner is made. The substitute data is then utilized torecover the actual data which is then sent in an encrypted and secureformat to the application. The application can then use this data forpurposes of processing the transactions in a manner like that describedin the incorporated disclosures. As can be appreciated, numerousapplications of these approaches may be utilized in exemplaryembodiments to avoid having to store or to pass data in the clearbetween software applications at the XFS interface. Thus the exemplaryembodiment enables the configuration of software architectures inmachines in accordance with the XFS standards or other suitablestandards but avoids the possible security risks that compliance withsuch standards may impose. Of course it should be understood that theprinciples may be utilized in various types of automated banking machineenvironments to help in providing enhanced security.

Exemplary embodiments may include features like those described in thefollowing US Patents which are incorporated herein by reference in theirentirety: U.S. Pat. Nos. 8,308,057; 8,393,534; 8,469,266; 7,988,041; and9,594,954.

FIG. 24 shows a schematic view of program logic carried out through anexemplary automated banking machine that may be similar to thosepreviously described. The exemplary automated banking machine isoperative to provide users with financial checks. Such financial checksmay include printed paper checks. Alternatively in some arrangements theautomated banking machine may be operative to provide electronicrepresentations of checks that can be processed as checks. In stillother arrangements, electronic tokens or tangible items may be providedto a user in connection with exemplary transactions.

The exemplary program logic flow which may be carried out by one or moreterminal controllers in an automated banking machine may be utilized incircumstances where a merchant or other vendor wishes to provide itemsof value such as goods, services or cash to a user. Such a system may beemployed in some circumstances where the merchant and/or user wishes toavoid the transaction fees that may be associated with withdrawing cashor transferring value via communication with a transaction processingnetwork. As can be appreciated in some arrangements, significanttransaction surcharges are applied to cash withdrawal transactions oncertain machines. Further certain network rules may cause the liabilityfor fraudulent transactions to shift from an entity issuing a credit ordebit card to a person accepting such a card if a transaction isconducted at a device or a system does not include all of the securityfeatures that the card issuer has indicated are required in order forthe card issuer to have liability. An automated banking machine carryingout transaction logic as represented schematically in FIG. 30 may insome embodiments avoid such a liability shift. Of course it should beunderstood that these approaches are exemplary and the representedfeatures may be used in other types of systems as well.

In the exemplary arrangement the automated banking machine executesprogram instructions to receive from a user data bearing records orother information that is suitable to identify the user or an account.This is represented in a step 328. Such activity may include in somearrangements the reading of account identifying data from a user card,the receipt of a PIN number, the reading of biometric data or other datathrough input devices on the machine so as to identify the user and/ortheir account. The automated banking machine then operates in accordancewith its programming to present the user with transaction selectionoptions, and the user provides a transaction selection input asrepresented in a step 330. In the exemplary arrangement the user mayelect to receive value such as cash or goods or services through themachine by making payment by check. If the user wishes to make such atransaction selection, they may do so by providing the correspondingtransaction selection input. The user also is prompted through operationof the machine to indicate the amount associated with their transaction.This is represented in a step 332. In an exemplary arrangement if theuser has selected a check transaction, the user will be prompted toprovide inputs corresponding to the amount of the check that they wishto have accepted by the merchant or other associated entity.

In a step 334, the terminal controller or other processor operates todetermine if a check transaction has been selected by the machine user.If the machine user has not selected a check transaction, and has chosena cash withdrawal transaction, cash acceptance transaction or othertransaction that can be carried out through operation of the machine,the terminal controller operates in accordance with its programming tocarry out the transaction steps associated with those othertransactions. This is represented in a step 336.

If the user of the automated banking machine has selected a checktransaction, the terminal controller operates in accordance with itsprogramming to automatically formulate an account balance inquirytransaction. This account balance inquiry transaction is operative tocause the machine to communicate through one or more associated networkswith computers to determine if the account corresponding to the user isvalid and also whether the account has a sufficient balance and/orstatus so as to allow the check transaction in the selected amount to becarried out. In some exemplary arrangements the formatted transactionmessages may be comparable to those carried out in response to userinputs making an account balance inquiry to check the amount of money intheir account. Alternatively in other arrangements, the formulatedtransaction inquiry may include messages that inquire as to otherfeatures such as whether the account is in good standing, includesoverdraft protection, qualifies for cash advances or other informationwhich is appropriate for determining whether the check transactionshould be carried out. The nature of the formulated inquiry messageswill depend on the nature of the account on which a check has beenrequested to be drawn. These steps as carried out through operation ofthe terminal controller and associated networks is representedschematically by step 338.

If the account is determined not to have a sufficient balance orotherwise qualify for writing a check in the amount requested by theuser, a determination is made at step 340 that the transaction could notbe carried out. The user is so informed as represented in a step 342.This step may include, for example, the terminal controller operating inaccordance with its programming to inform the user that the transactioncannot be carried out. Further in some arrangements the terminalcontroller may operate to return the user's card or otherwise close thetransaction.

If in step 340 it is determined that the user's account balance issufficient for writing a check in the amount, the automated bankingmachine operates in accordance with its programming to take steps toclose the network session which was involved in making thedetermination. This is represented by step 344. In some arrangements,step 344 may include additional communications between the automatedbanking machine and other computers in the network such as obtainingappropriate information from the network about the user's account whichmay be utilized by the automated banking machine in producing afinancial check in the amount requested by the user. The informationobtained may include data that cannot be derived from the data bearingrecord such as the user card or other information that the user hasinput to the machine in connection with requesting the transaction,which information is necessary for purposes of producing the financialcheck. Alternatively or in addition, the automated banking machine mayin step 344, communicate with computers in multiple systems which canderive the data necessary for purposes of producing the check. This mayinclude, for example, obtaining information on bank identificationnumbers, routing numbers or any other information that may be requiredto produce the check such as for example, the data that appears in themicr line of a financial check indicating the account and routing dataused for processing the check. Of course these approaches are exemplaryand the exact approaches used will depend on the particular system.

The terminal controller of the exemplary arrangement then operates in astep 346 to produce a printed financial check in the amount requested bythe user. The printed financial check will include the data necessaryfor processing and may include all of the data normally found on apreprinted check. Alternatively or in addition, the check may includeextended micr line data or other data so as to cause the amount of thecheck to be routed and paid to the account of the merchant or otherperson who is to receive the amount. Further in the exemplary embodimentthe terminal controller operates in a step 348 to print an accountbalance statement. The account balance statement of the exemplaryarrangement may include information such as the user's account data andtheir account balance. Further in exemplary arrangements, the accountbalance statement may include information on whether the user accounthas overdraft protection, certain statuses or other information that mayprovide the merchant with assurance that they may accept the check. Ofcourse it should be understood that this logic flow is exemplary and inother exemplary arrangements other or alternative approaches andadditional or different steps may be utilized.

The printed financial check and account balance statement may be takenby the machine user from the machine and presented to a merchant at atransaction location who can provide value in exchange for the check. Insome exemplary arrangements the merchant station may include a terminalor other device for accessing information that enables the merchant toverify that the check has been issued by the machine and that it isunaltered. This may include, for example, a merchant terminalcommunicating through a local network with the banking machine orthrough a wide area network with the systems that provided informationon the account balance or other authorization to issue the check. Themerchant may also physically or electronically review the accountbalance statement.

In exemplary arrangements if the merchant finds that everything is inorder, the merchant may accept the check and provide the user with valuefor the check in the form of cash, goods or other agreed value. Themerchant may then scan the check using a scanner connected to themerchant terminal or other system commonly employed by the merchant toscan received checks issued by the automated banking machine as well aspreprinted checks. The merchant may then carry out the necessary stepsto have the funds represented by the check deposited in the merchant'saccount by a financial institution or other financial services providerassociated with the merchant's account.

In other exemplary arrangements, the automated banking machine mayoperate in alternative ways to provide check data or items to a userthat the user can exchange for value. For example in some exemplaryarrangements, the automated banking machine may operate to securelycommunicate with a user's portable wireless device. The datacommunicated to the user's portable device may correspond to value foran electronic check. For example in some arrangements the data maycorrespond to a visual image of a check that a user may present on thedisplay of a smart phone to the merchant's system. Alternatively or inaddition, the automated banking machine may provide the user with anelectronic token or other data which can be stored in the memory of asmart phone and then communicated to the merchant's system in exchangefor receiving value. In still other alternative arrangements, theautomated banking machine may issue a stored value card or othertangible item which is representative of the value that the user wishesto receive. The tangible item may then be taken to a merchant stationand the value transferred in the manner of a check or similar article sothe merchant can obtain a deposit of the funds in the merchant'saccount. The merchant may then provide inputs to a merchant terminal ortake other steps to authorize the use of the card. The user can then usethe card for purposes of obtaining goods or services from the merchantor other affiliated merchants which accept the card. Of course theseapproaches are exemplary of many different approaches that may be used.

In some exemplary arrangements the automated banking machine may beoperative to cause one or more transaction messages to be communicatedwhich place a hold on the user's account for an amount corresponding tothe check. The hold can be maintained for a sufficient period of time toallow the merchant to scan and present the check to a check paymentprocessing system. This may be done in a manner similar to that used forcertain credit and debit card transactions where the actual charges thatthe user will incur are unknown. For example, in some arrangements thehold for the amount could be placed on the user's account for a periodof one day and then automatically lifted through operation of thesystem. This might be done, for example, by having the machine performin accordance with its programming on a timed basis to submit messagesto the network that cause a reversal of the initial hold transaction.Alternatively or in addition, communication with a merchant terminalwhich would show submission of the check for processing would then causethe automated banking machine to operate so as to send transactionreversal messages that release the hold on the user's account. Furtherit should be understood that these approaches may be used in connectionwith the other types of articles or data discussed herein whichrepresent value and which can be received from the machine. Of coursethese approaches are exemplary and in other arrangements, otherapproaches may be used.

FIGS. 25-28 show schematically program logic carried out throughoperation of one or more devices in connection with providing a userwith cash or other value from an automated banking machine or otherfulfillment point. In this exemplary arrangement the user may request atransaction using a mobile device such as a smart phone or wearablecomputer of the types previously discussed. The exemplary arrangement isfurther usable to assist the user in locating a fulfillment point thatcan complete the user's transaction which involves a transfer of value.

As represented in FIG. 25 , a user who desires to receive cash may, forexample, provide a transaction request input through an input deviceassociated with a mobile device. The mobile device may include a smartphone which includes a program such as an application for receiving sucha transaction request. Alternatively other arrangements may involve awearable computer, such as in the form of glasses like those previouslydiscussed, wallets, watches or other articles which include programmingfor receiving such a request. This transaction request is represented bya step 350. In response to receiving the request, the mobile deviceoperates in accordance with its programming to transmit information thatis appropriate for purposes of conveying a request for the transactionthat the user wishes to conduct to a remote transaction system. Forexample the mobile device may submit messages including an identifyingvalue associated with the user's account, the amount of value such ascash the user wishes to receive, and data corresponding to the user'scurrent location, to the transaction system. It should be understoodthat in some exemplary arrangements the account identification mayinclude an account number. Alternatively the identification data mayinclude token data which can be used by the transaction system to derivedata corresponding to a user account number or other information thatcan be associated with a user account. The use of a token instead of anactual account number may be used to enhance security associated withthe system. The transmission of the data concerning the user'stransaction request to the system from the mobile device is representedin a step 352.

The data transmitted in step 352 along with other data which istransmitted from the mobile device for purposes of requesting thetransaction is received in an exemplary arrangement wirelessly by theremote transaction system. The exemplary transaction system includes oneor more servers and data stores that are capable of validating thetransaction data and carrying out financial transfers. Thecommunications to the transaction system may include communications viacellular phone communications, wireless broadband or other suitablemethods for communicating the data between the mobile wireless deviceand transaction system.

In a step represented 354 the transaction system receives theidentifying data and other information from the mobile device. Thesystem then operates in accordance with its programming to validate thatthe user identification data and other information that is transmittedcorresponds to a valid user and/or account which can be used to carryout the transaction as requested by the user. The system 354 operates inaccordance with its programming to create a transaction identifier (ID)for the particular transaction is represented in a step 356. The systemthen further operates in accordance with its programming to determinelocations where the user's requested transaction can be fulfilled. Inthe exemplary embodiment the transaction system uses the locationinformation received from the user to determine the fulfillment pointsthat are in proximity to the user that can complete the transaction theuser has requested. This is done based on stored data that thetransaction system can access as to the locations of automated bankingmachines, merchant facilities or other systems that can fulfill the userrequest. This is represented in a step 358. The transaction system thenoperates in accordance with its programming to cause to be sent to themobile device, the resolved transaction ID associated with the requestedtransaction as well as data corresponding to the fulfillment points thatare currently in proximity to the user which can fulfill thetransaction. This is represented in a step 360.

The mobile device of the user receives the data from the transactionsystem including the data corresponding to the fulfillment points thatcan carry out the requested transaction. The user's mobile device thenoperates in accordance with its programming to present to the user auser interface that enables the user to provide inputs to select afulfillment point. This is represented in a step 362. The user's mobiledevice then operates in accordance with its programming to determine orobtain from a remote system directions from the user's current locationto the selected fulfillment point. This may be done based on stored dataincluded in one or more data stores accessible by the mobile device.Alternatively or in addition, such directions may be resolved throughcommunication of the mobile device with remote servers such as GoogleMaps, MapQuest or other similar service that can provide a user withdirections. The presentation of the directions to the user from themobile device is represented by a step 364.

The user may then travel to the selected fulfillment point. The mobiledevice may provide turn-by-turn instructions or similar guidance to theuser to help them reach the desired fulfillment point. It should beunderstood that in exemplary arrangements the fulfillment point mayinclude an automated banking machine, a merchant transaction area, aparticular facility or other apparatus that can fulfill the user'stransaction request. It should be understood that although the exemplaryarrangement may be discussed in connection with an automated bankingmachine, such other devices and systems may be utilized in exemplaryarrangements to fulfill transactions.

As represented in FIG. 26 , when the user reaches the fulfillment point,the mobile device operates in accordance with its programming totransmit the user identifier, transaction ID and other information asmay be required by the system to a device such as a terminal at thefulfillment point. This is represented by a step 366. In the exemplaryarrangement the data is transmitted via radio frequency communications ashort distance to a device at the fulfillment point. This may include,for example, Bluetooth or NFC communication via a wireless interface onan automated banking machine. Alternatively, other types of contact orwireless communication may be used.

In response to receiving the user identification and transaction IDinformation at the automated banking machine at the fulfillment point,the automated banking machine operates in accordance with itsprogramming to send data corresponding to the user identifyinginformation, transaction ID and an identifier associated with thefulfillment point to the transaction system. This is represented by astep 368. The one or more servers of the transaction system then operateto verify the user identification, transaction ID and other data todetermine that the requested transaction is one which can be authorized.This is represented by a step 370. The transaction system communicatesone or more messages to the fulfillment point to indicate that the datawhich has been sent is verified. In response to this communication, theautomated banking machine at the fulfillment point then operates inaccordance with its programming to provide to the mobile device afulfillment point identifier which is then communicated wirelessly tothe mobile device. This is represented by step 372.

The mobile device receives the fulfillment point identifier at a step374. Of course it should be understood that in exemplary arrangements,additional data including data associated with maintaining security orauthentication may also be communicated from the automated bankingmachine of the fulfillment point to the mobile device. The mobile devicethen operates in accordance with its programming to cause thefulfillment point identifier and the current location data of the mobiledevice to be sent wirelessly to the transaction system. This isrepresented by a step 376. In response to receiving the data sent instep 376, the transaction system operates in accordance with itsprogramming to verify that the fulfillment point and the location of themobile device correspond. The transaction system also operates to verifythat the fulfillment point ID corresponds to the prior communicationfrom the fulfillment point. Of course additional steps may be performedin connection with authentication or security of the communications bythe transaction system. This is represented by a step 378.

The transaction system then operates in accordance with its programmingto determine if the account associated with the requested usertransaction currently is available for purposes of conductingtransactions. This is done in a step 380. In the exemplary embodimentthe account holder is enabled to operate their mobile device forpurposes of enabling and disabling the status of their account. Thiscapability may be used to assure that the account status is generallydisabled at times when a user does not wish to conduct transactions. Theuser may selectively enable the account at times when the user wishes toconduct transactions, this can generally avoid unauthorized transactionactivity. In this exemplary arrangement the transaction system at a step382 determines if the account control status currently has the accountdisabled or “off” or enabled and “on.” If in step 382 the transactionsystem determines that the account is currently disabled, thetransaction system operates to cause one or more messages to be sent tothe mobile device to indicate that if the transaction is to beconducted, the account status will need to be changed. The sending ofthis message is represented in a step 384.

The mobile device receives an account status change request from thetransaction system in a step 386. If the user acknowledges that thetransaction is to move forward, and is authorizing the transaction toproceed, the user will provide one or more inputs through input deviceson the mobile device. The mobile device then operates in accordance withits programming as represented in step 388 to cause an account statuschange request messages to be sent wirelessly to the transaction system.The transaction system operates in accordance with its programming tochange the account status so as to enable transactions as represented instep 390.

Enabling the account status then causes the transaction system toproceed at step 382 to operate in accordance with its programming tosend transaction data to the automated banking machine at thefulfillment point. This is represented in step 392. The automatedbanking machine receives the transaction data sent by the transactionsystem as represented in step 394. The automated banking machine thenoperates in accordance with its programming to determine that it canfulfill the requested transaction. The automated banking machine, uponverifying that it can provide the requested transaction, such asdispensing the requested amount of cash, sends one or more messages tothe transaction system confirming its fulfillment capability. This isrepresented by a step 396. The transaction system then receives the oneor more messages which indicate that the machine has the fulfillmentcapability and will proceed with the transaction. This is represented ina step 398.

The automated banking machine at the fulfillment point then operates inaccordance with its programming to prompt the user to provide useridentifying data. This is represented in a step 400. In some exemplaryarrangements the user identifying data may include a PIN number or othersecret code for purposes of authorizing a transaction. In still otherarrangements, the user identification data may include data read from adata bearing record, such as a card or biometric data such as datacorresponding to a user's fingerprint or iris scan. In still otherexemplary arrangements the identifying data may include audible soundsor a voiceprint. The automated banking machine in response to receivingthis data in the exemplary embodiment then operates to communicate withthe mobile device to request device and/or account verification data.This is represented in a step 402. The mobile wireless device inresponse to receiving the request operates in accordance with itsprogramming to provide the requested verification data as represented ina step 404. Verification data is then wirelessly communicated to theautomated banking machine. In some exemplary arrangements theverification data may include data such as account identifying data ofthe type previously discussed as being sent to the transaction system.Such verification data may also include the transaction ID data or otherdata that is received from the transaction system. In still otherarrangements the verification data may include data resolved by themobile device from data sent from the transaction system and data storedin one or more data stores in the mobile device. The type and nature ofthe verification data used may vary depending on the particular type ofsystem and mobile device. Generally the verification data will besufficient to verify the account, the particular transaction and devicewith which the transaction has been associated.

The automated banking machine which is the fulfillment point operates inaccordance with its programming to receive the data from the mobiledevice. The machine then operates in accordance with its programming toassemble the user identifying data, data corresponding to account,transaction ID and other information so as to present the information tothe transaction system. This is represented in a step 406. In step 408the automated banking machine operates to send one or more messages tothe transaction system so as to request authorization to complete thetransaction. This is represented in step 408.

The transaction request messages are sent to the transaction systemthrough one or more networks such as those described in connection withthe previous embodiments. Such network communications may be wired orwireless communications and may include transmission over the Internetor other public or private networks. Encryption and other securityfeatures are included with or applied to the messages to avoidinterception. One or more computers associated with the transactionsystem receive the messages and operate in accordance with theirprogramming to verify the data associated with the transaction request.In verifying the data, the transaction system determines that thetransaction is authorized to be conducted. This is represented in a step410. In response to verifying the data and the propriety of thetransaction, one or more servers of the transaction system operate tosend one or more messages to the automated banking machine to authorizethe transaction. This is represented in a step 412.

The automated banking machine operates in accordance with itsprogramming in response to the received transaction authorizationmessages to verify that the messages correspond to instructions tofulfill the transaction. This is represented in a step 414. Theautomated banking machine then operates to fulfill the transaction asrepresented in a step 416. This may include in some exemplaryembodiments operating to cause cash to be dispensed from the automatedbanking machine to a user. Of course it should be understood that thisform of fulfillment is exemplary and in other arrangements otherapproaches and forms of delivering value may be used.

The automated banking machine operates in accordance with itsprogramming to confirm that the cash was dispensed properly and sendsone or more messages to the transaction system, confirming fulfillmentof the transaction. This is represented by a step 418. In some exemplaryarrangements the automated banking machine may communicate with themobile device to prompt the user to confirm through one or more inputsthrough their mobile device that the cash or other value has beenreceived. Alternatively the transaction system may communicate with themobile device to have the user provide one or more inputs to confirmreceipt of the cash or other value. The user of the mobile device thenprovides one or more inputs to the mobile device to confirm fulfillment.The mobile device then operates in accordance with its programming tocause one or more confirmation messages to be sent to the transactionsystem. This is represented in a step 420.

If the transaction system receives confirmation of fulfillment inmessages from both the automated banking machine and the mobile device,one or more servers of the transaction system operate in accordance withtheir programming to commit the particular transaction. This isrepresented by a step 422. The one or more servers then operate to causefinancial transfers such as debiting the account of the user for cashreceived and crediting the account of the entity who operates themachine or other system that has provided value that fulfilled thetransaction request. This is represented by a step 424.

Of course it should be understood that in the event the user does notconfirm fulfillment of the transaction or the automated banking machineis unable to fulfill the transaction, steps can be taken to againattempt to complete fulfillment in accordance with the programming ofthe transaction system, the fulfillment device and the mobile device.Alternatively or in addition, failure to receive appropriateconfirmation messages may result in additional steps being taken such asthe automated banking machine capturing images of the user receivingcash or other value from the machine so as to document that thetransaction was properly completed. Alternatively or in addition, thedevices included in the system may be programmed to operate so that theaccount of the user is not charged in the event that the transactioncannot be fulfilled.

It should be understood that although in the exemplary embodiment thefulfillment device is described as an automated banking machine of thetype that automatically dispenses cash or other value to a user, inother arrangements the fulfillment device may include other types ofautomated banking machines. For example in some arrangements theautomated banking machine which provides fulfillment may include atransaction terminal at a merchant location. The transaction terminalmay include, for example, a cash register from which a merchant mayremove cash and provide it directly to the user. Alternatively or inaddition, other fulfillment devices may include wearable computers wornby merchant representatives who can control the wearable computers so asto provide messages that document the delivery of cash or other value toa user from merchant representatives.

FIGS. 29-31 show schematically the program logic executed by one or morecomputers in an alternative system in which the user may receive cash orother value. The system described in connection with this exemplaryarrangement unlike the previously described embodiment, may enable auser to have cash or other things of value delivered to them rather thanthe user having to travel to a fulfillment location to receive therequested value. In this exemplary arrangement a user may operate a userdevice such as a mobile device including a smart phone or wearablecomputer terminal of the types previously described. Alternatively insome exemplary arrangements the user device may include a tabletcomputer or personal computer or other type of transaction terminal thatis accessible by a user in connection with making transaction requests.In this exemplary arrangement the one or more devices that are operatedby an entity that fulfills the user's transaction request are referredto as a delivery service. The transaction system utilized in connectionwith this exemplary arrangement may include one or more servers of thetype previously described that operate in accordance with theirprogramming and that may operate to cause financial transfers betweenthe accounts of the various entities involved.

In this exemplary arrangement the user requesting a transaction operatesa user device as represented in a step 426. In this exemplary embodimentthe user device may include a portable wireless device through which auser provides inputs corresponding to a request for the amount of cashor other value that a user wishes to receive. The device also operatesin accordance with its programming to recover from one or more datastores, data corresponding to an account. This may include an accountnumber or alternatively token data or other data from which thetransaction system can derive data corresponding to an account. Inaddition in this exemplary embodiment the user device operates toreceive a second user identifying factor. Such an identifying factor mayinclude, for example, a personal identification number from the user, ascan of a user's fingerprint, a user's voiceprint or spoken secretwords, a signature image, an iris scan or other suitable identifyingfactor which identifies the user as an authorized user. Of course itshould be understood that additional data or other data may also beprovided in connection with a particular transaction system.

The user device operates to send the transaction data to one or moreservers associated with the transaction system. The servers operate inaccordance with their programming to verify the account and otherinformation which identifies the user as an authorized user and/or asthe user of a valid account. This is represented by a step 428. Thetransaction system further operates in a step 430 to verify that theamount requested by the user is available. The transaction system thenoperates to generate a transaction identifier or other data that can beused to identify the user's requested transaction. This data is sent tothe user device as represented in a step 432. Of course in otherarrangements additional data such as data for authenticating thetransaction, encrypting the communications, or that is otherwise usablein connection with the transaction may also be sent by the transactionsystem to the user device.

In the exemplary arrangement the user device is operative to store thetransaction identifying data received from the transaction system asrepresented in a step 434. The user then may operate the user device ata time proximate to receiving the transaction identifying data or at alater time, to send the transaction identifying data and other data suchas the amount of the cash or value requested, to a terminal device ofthe delivery service. Further in the exemplary embodiment the userdevice operates in accordance with its programming to send to thedelivery service device, data corresponding to the current location ofthe user device and/or location data corresponding to a place ofdelivery. This is represented in a step 436.

In the exemplary arrangement the data communicated in step 436 from theuser device is transmitted via wireless or wired communication to aterminal device including at least one processor and data store operatedby the delivery service. The delivery service device receives thetransaction data and communicates with the user device to communicateoptions for the delivery of goods and/or the cash or other value that isrequested by the user. This is represented in a step 438. For purposesof this exemplary arrangement, the delivery service will be described inconnection with a service that provides food items for delivery. In someexemplary arrangements the services which are offered by entities whodeliver food for consumption may be utilized to also provide cash orother items of value so as to make better use of the resources that arecommonly used for such delivery. Of course this approach is exemplaryand in other arrangements the delivery service may be solely dedicatedto the delivery of cash or may deliver other types of items or value.

In the exemplary arrangement the data communicated from the device ofthe delivery service is received by the user device and causes the userdevice to operate in accordance with its programming to prompt the userto select whether the user wishes to have certain types of goodsdelivered along with the requested cash. This is represented in a step440. The user provides inputs through one or more input devices of theuser device to select any goods that the user also wishes to havedelivered with their cash. Further as represented in a step 442 the useris prompted to provide inputs through the user device to indicatewhether the value of the goods that they wish to have delivered is to bededucted from the amount of cash that they have requested. Generally inexemplary embodiments because the transaction has been previouslyverified for a given amount, the user will be required to agree that thecost of the goods will be deducted from the cash or other form of valuethat the user will additionally receive. In alternative arrangements, ifthe user wishes to receive goods and cash or other value which have agreater value than that originally authorized, the user device and thetransaction system may operate in accordance with their respectiveprogramming to authorize the requested higher transaction amount.

In the exemplary transaction, the user agrees to have the value of thegoods deducted from the initially authorized amount and communicates thegoods information and such confirmation to the device operated by thedelivery service as represented in a step 444. The terminal device ofthe delivery service then operates in accordance with its programming tocause one or more messages to be sent by the delivery service device tothe transaction system. The messages in the exemplary arrangement areoperative to request verification of the transaction ID, the total valueof the transaction, and the location for delivery that has been providedto the delivery service device from the user device. This is representedin a step 446.

The data communicated from the delivery service device is then verifiedas correct through operation of the transaction system. This isrepresented in a step 448. Of course if the transaction data cannot beverified through operation of the transaction system, the exemplaryarrangement sends appropriate messages to the delivery service that thetransaction is not verified and should not proceed. In addition othersteps may be taken as well in accordance with the programming of theservers which comprise the transaction system and/or the terminal deviceof the delivery service.

If the transaction data is verified in step 448, the transaction systemof the exemplary embodiment operates in accordance with its programmingto cause one or more messages to be sent to the user device indicatingthe information concerning the requested transaction. This isrepresented in a step 450. The data sent to the user device may includedetails of the transaction, the delivery service, the amount involved,the goods involved or other information as is necessary for the useroperating the user device to evaluate whether the transaction shouldproceed. The data sent to the user device causes the user device topresent an interface to the user which requests that the user provideinputs to either authorize or disallow the transaction. This isrepresented in a step 452. If the user does not confirm the transaction,then the transaction does not proceed and an appropriate message is sentto the transaction system.

Assuming that the user confirms the transaction as acceptable, one ormore messages confirming such fact is sent to the transaction system asrepresented in step 454. The transaction system evaluates the messagesand confirms that the transaction is acceptable as represented in step456. The transaction system then operates in accordance with itsprogramming as represented in step 458 to send one or more messages tothe device of the delivery service to indicate that the transaction hasbeen verified as authorized. The device of the delivery service receivesthese messages and verifies the receipt of transaction verification asrepresented in a step 460. In response to verifying that the transactionshould proceed, the device of the delivery service operates inaccordance with its programming to communicate with the user device toconfirm the delivery location. This is represented by a step 462. Theuser device then provides communication to confirm the delivery locationas represented by a step 464.

In response to confirming the delivery location, the delivery servicedevice operates in accordance with its programming to send messages tothe transaction system. The data sent by the delivery service deviceincludes data corresponding to a fulfillment identifier (ID) associatedwith the delivery service as well as the transaction identifierassociated with the particular transaction. The sending of thisinformation is represented in a step 466. In response to receiving thedata from the delivery service device, the transaction system verifiesthat it recognizes the fulfillment ID associated with the deliveryservice and confirms that it can complete the transaction associatedwith the financial transfers involved. This is represented by a step468. In the exemplary arrangement if the transaction system determinesthat it cannot complete the financial transfers associated with thetransaction, appropriate messages are sent to the device associated withthe delivery service so as to prevent the transaction from proceeding.

In response to verifying the fulfillment ID and transaction ID by thetransaction system, the delivery service device receives confirmationmessages from the transaction system to proceed with delivery of thecash and the requested goods. The delivery service then transports therequested cash and goods to the location where the user is located. Thetransport of the goods and cash may be tracked through operation of adevice associated with the delivery service such as a portable terminal,wearable computer or other device which may be the same as or may be aseparate terminal device capable of being in communication with thedelivery service terminal receiving the other messages. The presentmentof the cash and goods is represented by a step 470. In the exemplaryarrangement when the goods and cash or other value is presented to theuser at the location, a portable terminal associated with the deliveryservice is operative to receive identifying data to identify that theuser receiving the goods and cash is the appropriate recipient. This mayinclude, for example, in some embodiments the portable terminal of thedelivery service receiving data such as by reading card data from a databearing record provided by the user. Alternatively the portable terminalmay receive a biometric identifier such as a fingerprint of the user.Alternatively or in addition, the terminal associated with the deliveryservice may receive identifying data from the mobile device of the user.Various types of input information or combinations of information may beso received which can be verified as associated with the authorizeduser. The receipt of the identifying factor or factors by the deliveryservice terminal is represented by step 472.

As represented in a step 474, in the exemplary arrangement the portableterminal associated with the delivery service is operative to send dataindicative of the delivery of the cash and/or goods to the transactionsystem. In the exemplary arrangement the portable terminal of thedelivery service is further operative to send the transaction data anddata corresponding to at least a portion of the received useridentifying data to the transaction system. Of course it should beunderstood that in step 474 additional data and/or other informationthat is usable to verify that the delivery is completed or thetransaction is being fulfilled may also be sent to the transactionsystem.

As represented in a step 476, the transaction system of the exemplaryembodiment operates to confirm the user identifying data and thetransaction data associated with delivery of the goods and cash. Thetransaction system then operates in accordance with its programming in astep 478 to send one or more messages to the portable terminal of thedelivery service to indicate that the identifying data has beenconfirmed. In response to receiving the confirmation data from thetransaction system, the portable terminal of the delivery serviceprompts the individual making the delivery to complete the delivery asrepresented in a step 480. The delivery service terminal then promptsthe user from the delivery service to verify the delivery throughproviding at least one input to the terminal and sends at least onemessage to the transaction system verifying that delivery has beencompleted in accordance with a step 482. In the exemplary arrangementthe transaction system receives the data corresponding to theverification of delivery in a step 484. In response to receiving thisdata, the transaction system stores the data indicating delivery hasbeen made. The transaction system further operates in accordance withits programming to send to the user's portable device, one or moremessages asking the user to confirm delivery of the goods and cash. Thisis represented in a step 486.

In response to receiving the one or more messages from the transactionsystem, the user device operates in accordance with its programming topresent an interface to the user which prompts the user to provide aninput that the delivery of the requested goods and cash has beencompleted. This is represented in a step 488. If the transaction isproceeding properly, the user then provides one or more inputs to theuser device which causes one or more messages to be sent to thetransaction system confirming that the delivery has been made in asatisfactory manner. This is represented in a step 490. Responsive toreceiving the one or more messages sent by the user device in step 490,the transaction system operates to cause a charge or debit to be madeagainst the account of the user as represented in a step 492 and tocause a credit for the amount of cash and goods or other value deliveredby the delivery service as represented in a step 494.

Of course in the exemplary arrangement if the user does not confirmappropriate delivery of the goods, additional steps are taken so as toresolve the discrepancy. This may include, for example, additionalcommunications between the delivery service terminal, the user terminaland the transaction system so as to prevent or revoke the delivery ofthe goods, cash or other value to unauthorized persons. In addition, theuser terminal and delivery service terminal may include image capturedevices or other devices for obtaining information so as to document thecircumstances of delivery if the delivery is going to be completed sothat the recipient cannot deny delivery at a later date. The particularsteps taken will depend on the capabilities of the particular system andthe devices involved. Further it should be understood that additional ordifferent steps may also be taken through operation of the variousdevices in connection with the exemplary steps described. Furthernumerous different variations may be utilized in connection with variousembodiments. Further although cash and goods delivery has been describedas the form of value delivered in connection with this exemplaryembodiment, it should be understood that other types of delivery mayalso be made. This may include, for example, other types of value suchas prepaid cards, stored value cards, gift cards, scrip or other thingsthat can be redeemed for goods or services. Of course it should beunderstood that numerous different combinations of goods, services, cashor other items of value may also be delivered through systems of thistype.

FIG. 32 shows schematically a further alternative embodiment of anautomated banking machine 496. Automated banking machine 496 may includefeatures like the automated banking machines previously described andmay be used for carrying out transactions including transfers of value.The exemplary automated banking machine includes at least one controller498 including a circuitry including at least one processor havingstructures like those previously described. The controller furtherincludes one or more data stores schematically indicated 500 which storecomputer executable instructions, data and other information associatedwith operation of the automated banking machine. The automated bankingmachine further includes a number of transaction function devicescollectively referred to as 502 that are in operative connection withthe controller. The transaction function devices may include, forexample, in some embodiments card readers, key pads, printers, displays,cash dispensers, check acceptors, cash acceptors, input devices, outputdevices, mid-air haptics output devices and various other types ofdevices that are used in connection with the particular types oftransactions that are carried out by the automated banking machine. Cardreaders may include for example, magnetic stripe readers, chip cardreaders or wireless readers. The exemplary machine further includes atleast one suitable interface 504. Interface 504 is usable to providecommunications with one or more networks 506. Networks 506 are inoperative connection with one or more transaction systems includingremote computers such as servers and other systems which enable carryingout transactions of the type for which the automated banking machine isspecifically adapted. The interface 504 may also communicate in localnetworks or other networks with terminals such as servers, desktopcomputers, laptop computers, or mobile devices.

The exemplary automated banking machine 496 further includes a wirelessinterface 508. The wireless interface 508 of the exemplary embodiment issuitable for radio frequency communication with relatively nearby mobiledevices. Such mobile devices may include smart phones, tablet computers,wearable computers or other portable computing devices commonly carriedby users which may come into proximity with the machine. Such mobiledevices may include features and capabilities like those of mobiledevices 78 and/or 100 previously described. In the exemplary arrangementthe at least one terminal controller 498 or other circuitry inassociation with the machine may be operative to provide communicationswith one or more types of mobile devices and applications operatingtherein. Further in some exemplary arrangements the communicationprovided is operative to inform a user of the mobile device that theautomated banking machine may provide a particular type of item such asa product or service, or transaction function, that a user associatedwith the mobile device may be seeking to obtain. For example in someexemplary arrangements the wireless interface 508 may include aBluetooth™ interface that utilizes the iBeacon™ protocol of Apple®computer or another beacon protocol to communicate with nearby mobiledevices which may be within about 450 meters from the interface. Inother exemplary arrangements GPS position determinations of deviceswithin a mile or other distance nearby the wireless interface may beutilized in connection with making determinations for communication witha mobile device. The machine may communicate with the nearby devices byWiFi or other RF messages. Of course these approaches are exemplary ofapproaches that maybe used.

For example in an exemplary embodiment a mobile device of the user mayinclude circuitry operating a particular application or other suitableprogramming that enables a user to input transaction types and/orparameters for transactions or products that they wish to conduct oracquire. For example, such an application may enable the user to inputdata to the mobile device corresponding to a request to obtain cash in aparticular amount and to not incur a transaction fee for receipt of thecash above a particular threshold. For example the user may programtheir mobile device to provide messages indicating that the user seeksto obtain cash in the amount of $300 without incurring a transaction feein excess of $2.00. Of course it should be understood that this soughttransaction function (cash dispense) and sought transaction parametersof amount and transaction fee that are output in wireless messages fromthe mobile device are merely exemplary.

The exemplary automated banking machine 496 may include data in its oneor more data stores 500 that corresponds to transaction functionsavailable at the machine, as well as available transaction parametersthat are associated with the available transaction functions. Forexample the stored available transaction function data and associatedavailable transaction parameter data may indicate that the owner oroperator of the machine is willing to offer the dispense of cash incertain amounts for certain transaction fees. The data store 500associated with controller 498 of the machine may further includeprogramming that is operative to cause the machine to receive wirelesscommunications from nearby mobile devices that indicate a soughttransaction function of the user of the mobile device. The exemplarycontroller 498 operates to compare data corresponding to the soughttransaction function and the data in data store 500 corresponding to theavailable transaction functions that correspond to available functionsat the machine. Responsive to an availability determination that thesought transaction function corresponds to an available transactionfunction, the controller is operative to cause at least one message tobe sent through the wireless interface 508 to the mobile device,including data indicative that the sought transaction function isavailable at the machine.

In some exemplary arrangements the received wireless messages from themobile device may include data corresponding to the mobile device user'ssought transaction parameters, such as an amount of a cash dispenseand/or that the assessed transaction fee will be at or below a soughtthreshold amount. In such situations the controller 498 operates tocompare the data corresponding to the sought transaction function andassociated one or more sought transaction parameters from the mobiledevice messages with the stored data corresponding to the availabletransaction functions and the available transaction parametersassociated with the respective available transaction functions. In caseswhere the sought transaction function corresponds to stored data for anavailable transaction function at the machine (for example a cashdispense) and the sought transaction parameter corresponds to storeddata for an available transaction parameter that is associated with theavailable transaction function (for example a transaction fee for a cashdispense function at or below the fee sought by the user of the mobiledevice) the controller 498 causes a transaction availabilitydetermination to be made. The controller then operates responsive atleast in part to the determination to cause the wireless interface tosend to the mobile device one or more messages indicating that thetransaction corresponding to the messages the mobile device of the useris sending, is available at the machine. The data store 500 associatedwith the controller 498 includes executable instructions that causemessages that communicate this information to the requesting mobiledevice through the wireless interface. Further in some exemplaryembodiments the programming of the machine may be such that normaltransactions attract transaction fees that are higher than those thatthe owner of the machine is willing to offer to those which are seekinglower transaction fees through communications with transient mobiledevices through the wireless interface.

In the exemplary embodiment the mobile device of the user is carried bythe user and transmits wireless messages corresponding to the soughttransaction functions and associated parameters that the user is seekingfrom nearby automated banking machine terminals which can receive suchmessages. The machine 496 is operative to receive through its wirelessinterface 508 the messages from the user's mobile device includingmessages which indicate that the user is seeking (for example) toreceive cash in a particular amount for a transaction fee that is nomore than an indicated sought transaction fee. In response to receivingthese messages, the controller 498 of the machine is operative to causea transaction availability determination that the machine is programmedto offer a transaction that satisfies the parameters that the mobiledevice user is seeking. The controller then operates in accordance withits programming to communicate with the user's mobile device through thewireless interface 508. The controller operates to indicate to the usermobile device that the requested transaction is available at themachine. The user may also be prompted to provide one or more inputs totheir mobile device to receive directions to travel to the machine ifthe user is interested in completing the transaction. Locationinformation for the machine and/or directions for travel by the mobiledevice user from a current mobile device location may be resolvedthrough operation of the controller 498 and communicated wirelessly tothe mobile device. Further in exemplary embodiments the user may also beinformed through wireless messages from the wireless interface that inorder to obtain the cash for the requested fee, the user can use acertain code, electronic token or other data which is provided by themachine to the user mobile device. In the exemplary embodiment the useroperating the mobile device may operate the device to receive the code,data or token wirelessly from the machine at the time of the initialcommunication. The code, data or token may be stored in a data store ofthe mobile device. Alternatively in other arrangements the user may beadvised that they can obtain the discounted transaction fees by takingother steps when they are present at the machine.

If the user elects to travel to the machine, the user may commence atransaction in the usual manner such as by presenting to the machine acard and PIN number or other user or account identifying data throughone or more reading and/or input devices of the machine. In theexemplary arrangement the programming of the controller is configured toprompt the user to provide an input to an input device of the machine toindicate that they are conducting a transaction in response to apromotional offer or other communication received through their mobiledevice. In response to providing an input corresponding to thisparticular transaction selection, the user is enabled to provide thedata, code or token previously delivered to their mobile device. Thiscan be provided through communication by the user's device with thewireless interface or an image capture device of the machine capturingan image output on a display of the mobile device or the user providingmanual inputs to input devices to the machine. Alternatively the usercan commence another communication session through their mobile devicewhile at the machine so as to indicate to the machine that they areresponding to the promotional offer to receive the cash for the reducedtransaction fee. The mobile device may communicate to the machine thedata, code or token in this session. In response to receiving theinformation from the user, the machine operates in accordance with itsprogramming to conduct a transaction that fulfills the transactionfunction requested by the user. This would include in the example thedelivery of cash with the assessment of only the $2.00 transaction feeas sought by the user. In some exemplary arrangements the machine isprogrammed to cause any additional charges that may be associated withthe transaction to be absorbed by the machine owner or the owner of theestablishment in which the machine is located. Alternatively in someexemplary arrangements the machine may carry out a portion of the soughttransaction function and provide the user with an item or data that willenable the user to complete the transaction function separate from themachine. For example the user may be assessed the usual transaction feefor the transaction, but may be issued a receipt, token, code orinstructions that allow the user to receive cash or other value from aservice provider or another device in the establishment where themachine is located, that corresponds to the excess fee charged over theamount the user requested. The owner of the machine or the establishmentmay do this to obtain the benefit associated with having the userpresent in their establishment with cash that can be used to acquiregoods or services from the establishment. Alternatively and/or inaddition the user may be required to watch certain advertising or otherinformation output by the machine or other terminal about goods orservices of the establishment or the machine owner, while receiving thecash for the discounted fee. In this manner an exemplary embodimentprovides for the mobile device user to receive the discountedtransaction fee they requested and the owner of the machine and/or theestablishment in which the machine is located, to receive the additionalbenefit associated with more customers present within the establishmentand/or reviewing advertising messages associated with the establishment.

Although the mobile device request previously described provideswireless data corresponding to a sought transaction function and soughtparameters for a transaction which may be fulfilled through operation ofexemplary automated banking machine, other mobile device messages mayalso request other types of sought transaction functions and/or soughtproducts. These may include, for example, sought transaction functionsassociated with other types of goods or services that can be obtainedthrough operation of the automated banking machine. Such goods andservices may include available transaction functions such as theprovision of tickets for events or facilities, gaming materials or otheritems that can be offered through operation of the automated bankingmachine.

For example, a mobile device may send wireless messages that includedata corresponding to sought transaction functions with or without datacorresponding to sought transaction parameters, such as check acceptingtransactions, cash accepting transactions, remote video or in personteller assisted transactions, check cashing transactions, merchantdeposit transactions, or other types of transactions. One or more ofsuch sought transaction functions may correspond to availabletransaction function data (and corresponding transaction parameter data)for the machine that is stored in at least one data store 500 associatedwith the at least one controller 498. The controller operates to resolvethe sought transaction function (and if applicable, associated soughttransaction parameters) corresponding to data in the messages receivedfrom a mobile device, and to compare the sought transaction (andparameters) to the stored data corresponding to data for availabletransaction functions and if applicable associated available transactionparameters. Responsive to the sought transaction function correspondingto one of the available transaction functions, and if applicable, thesought transaction parameters being within or corresponding to the datafor available transaction parameters, the controller is operative tomake an availability determination. Responsive at least in part to theavailability determination, the controller operates in accordance withstored circuit executable instructions to cause at least one message tobe sent through the wireless interface to the mobile device that sentthe messages seeking the transaction, indicating that the soughttransaction function is available through a transaction carried out atthe machine. Further the additional communications can provide data andinformation of the types previously discussed to the mobile device suchas providing location information for the machine or the establishmentin which the machine is located, providing directions to the machine orestablishment, and providing to the mobile device the code, token orother data that will enable the user to conduct the sought transactionfunction (or a portion thereof) at the machine. Of course thesecommunication types are exemplary.

In some exemplary embodiments in circumstances where the soughttransaction function and/or sought transaction parameters do notcorrespond to stored data for an available transaction function oravailable transaction parameter, the controller is unable to make atransaction availability determination. In such circumstances thecontroller 498 may operate in accordance with its stored executableinstructions to send no responsive messages to the mobile device. Inalternative arrangements the controller may operate in accordance withthe executable instructions to cause communications to the mobile deviceindicating an available alternative. For example if an availabletransaction function corresponds to a sought transaction function, butthe sought transaction parameter does not correspond to the associatedavailable transaction parameter, the controller may operate tocommunicate to the mobile device that the sought transaction function isavailable at the machine, and communicate the available transactionparameter that is closest to the sought transaction parameter. Forexample, if a mobile device user is seeking an amount of cash for a zerotransaction fee, and the stored data associated with the machineindicates that a cash dispense is available, but the lowest availabletransaction fee for the transaction is one dollar, the controller maycommunicate this information in wireless messages to the mobile device.The user may then communicate wireless messages from the mobile deviceif the user is interested in the offer. In the case of the wirelessinterface receiving a message including data providing an affirmativeresponse within a programmed time of when the offer is sent, thecontroller operates to send the mobile device the directions/locationinformation, code/token data or other information that enables the userto come to the machine and conduct a transaction that includes thesought transaction function.

Alternatively or in addition the instructions and data in one or moredata stores 500 associated with the controller 498 may be operativeresponsive to the controller not being able to make an availabilitydetermination, to resolve an alternative available transaction functionthat the executable instructions indicate might be a substitute for thetransaction the mobile device user is seeking. For example, if thesought transaction of the user is a check cashing transaction, and acheck cashing transaction is not available, the controller may sendmessages to the mobile device describing an available transaction thatoffers issuing the user a stored value card in exchange for receipt ofthe check. Alternatively the messages may describe other availabletransactions that may be carried out wholly or partially throughoperation of the machine or in the establishment where the machine islocated. For example the controller 498 may be operative to sendmessages to the mobile device to offer services such as loans, pawnservices or other services that may be of interest to the mobile deviceuser based on the sought transaction and parameters. Likewise if a useris looking for in person transaction assistance for a transaction, thecontroller may send messages that offer a transaction that is assistedby a video link to a live service provider. Of course these examples aremerely exemplary and numerous types of alternative transactions may beoffered to mobile device users.

Alternatively and/or in addition, exemplary embodiments may be operativeto fulfill requests for sought products by user of mobile devices inaddition to sought transaction functions. For example exemplaryembodiments may be utilized to respond to a mobile device user's requestseeking a product such as goods, a service or a feature which areprovided by or associated with the particular establishment in which theautomated banking machine is located. For example in an exemplaryembodiment, the mobile device may be operated to transmit messagesincluding data corresponding to sought products of the mobile deviceuser and associated sought product parameters. Such sought productparameters may include things like particular prices, sources withinparticular distances of the mobile device current location, the abilityto make payment for the sought products with certain payment methodssuch as by a check, a particular payment vehicle type, public benefitcard, discount card, the ability to qualify for a senior or affinitydiscount, the ability to utilize a discount offer or coupon, the abilityto obtain or use affinity benefits or loyalty points in connectionacquiring with the product, or other parameters. In exemplaryarrangements, the stored data associated with the at least onecontroller 498 of the machine may include data corresponding toavailable products (e.g. goods or services) and associated availableproduct parameters corresponding to the available products. Such storedavailable product data and stored associated available productparameters may correspond to goods or services that are available orthat may be acquired in the establishment where the machine is locatedseparate from operation of the machine. Alternatively in some exemplaryarrangements such available products may be offered through transactionscarried out in part through the machine, and partially through terminalsor service providers located in the establishment. For example in someexemplary arrangements, the machine may operate based on stored data inat least one data store 500 regarding available transaction functionsand associated transaction parameters, as well as data corresponding toavailable products and available product parameters. Various approachesmay be taken depending on the particular establishment where the machineis located and the particular transactions and products that are offeredthrough the machine and at such establishment.

As can be appreciated, the executable instructions associated with thecontroller 498 enables the automated banking machine 496 to receivewireless messages through the wireless interface 508, that includes datacorresponding to sought products, and if applicable, sought productparameters associated with the sought products that the mobile deviceuser is seeking. The controller operates in accordance with theexecutable instructions and data to compare the sought product andparameter data to stored data corresponding to available products andthe associated available product parameters. The exemplary controller isoperative based on comparison of the stored available product andcorresponding product parameter data and the received sought product andsought parameter data, to make the product availability determinationbased on the sought products of the mobile device user (and applicablesought parameters) corresponding to the data stored in the at least onedata store related to available products and associated parameters.

Responsive at least in part to the at least one controller making anavailable product determination, the controller is operative tocommunicate through the wireless interface with the mobile deviceindicating that the sough product provided in accordance with theapplicable associated parameters is available in the establishment wherethe machine is located. The controller may further operate in accordancewith its programming to communicate with the mobile device to indicatelocation and/or directions to the establishment. The at least onecontroller may operate in accordance with the executable instructions towirelessly provide to the mobile device a code, token or other data suchas an electronic voucher or a coupon that is usable to obtain the soughtproduct as well as other information or items that are necessary for theuser to obtain the sought product at the establishment. If the userchooses to go to the establishment to receive the product, the user mayutilize the information such as a code, token, voucher or couponprovided to the mobile device to acquire the sought product. This mayinclude, for example, the user's mobile device carrying outcommunications with the automated banking machine or other terminal soas to identify the sought product and parameters of the user, or otherinformation necessary to accomplish the transaction. Alternatively or inaddition, the user's mobile device may provide an output through thedisplay thereof such as visible indicia or QR code which is indicativeof the sought product, the transaction, the code, token or voucher,payment methods utilized by the user and/or other information usable tocomplete the transaction. Particular approaches utilized in completingthe transaction at the establishment where the machine is located willdepend on the nature of the product that is sought and the conditionsand parameters under which the transactions are carried out.

Alternatively and/or in addition, similar to the arrangement discussedin connection with offering alternative transaction functions, theexecutable instructions associated with the controller may be operativewhen a product availability determination cannot be made, to offer analternative product and/or product parameters to the mobile device user.The programming associated with the controller may be operative toresolve that the sought product and/or product parameters of the user donot correspond to available product and/or available product parameters,but that the stored data indicates that the establishment offersalternatives that may a suitable substitute of interest to the user. Theexecutable instructions associated with the controller may operate toresolve such available alternative products and/or parameters andcommunicate to the mobile device that the one or more alternativeproducts or parameters are available at the establishment. The user maythen provide one or more inputs that cause communications from themobile device with the wireless interface indicating interest in thealternative. The controller may then operate responsive to the receiptof the at least one wireless communication to cause the machine to sendthe mobile device wireless communications with data including location,directions, information, a code, token, coupon or other information orother data, to enable the user to travel to the establishment and tocarry out the desired product transaction. Of course it should beunderstood that these approaches and techniques are exemplary and inother embodiments other approaches may be utilized.

Further in some exemplary embodiments, the at least one controller mayoperate responsive to being unable to make a transaction availabilitydetermination and/or a product availability determination to obtainauthorization from the owner or operator of the automated bankingmachine or the establishment, that the user's sought transaction orproduct may be provided even though it does not fall within the storeddata corresponding to transaction function availability and transactionparameters and/or product availability and associated productparameters. For example, communication from a mobile device may indicatethat there is a user in proximity to the machine who is seeking atransaction that may correspond to a transaction available from themachine, but the user's sought transaction parameters do not correspondto the stored data for available transaction parameters currentlyoffered for that transaction at the machine. In some exemplaryembodiments responsive to the at least one controller not being able tomake a transaction availability determination, the controller mayoperate in accordance with stored executable instructions to send one ormore query messages through wireless interface 508 or the interface 504,to a terminal device associated with the owner or operator responsiblefor operation of the machine. In exemplary arrangements, the controlleris operative to send at least one query message to the remote terminalindicating the sought transaction and the sought transaction parameterof the mobile device user. The remote terminal which may include adesktop computer, a laptop computer, a mobile device or other suitableterminal associated with the entity responsible for the machine orestablishment, receives the at least one query message presenting therequested transaction parameter of the mobile device user. Thisinformation may be output in a suitable display or other output deviceof the remote terminal.

Responsive to reviewing the sought transaction parameter or otherinformation provided by the data included in the at least one querymessage, a user of the remote terminal may provide one or more inputs toinput devices of the remote terminal indicating that the transactionparameter requested by the user will be accepted, or alternatively maybe accepted but with certain conditions. Responsive at least in part tothe at least one input, the remote terminal is operative to send atleast one query response message to the at least one controllerincluding data which is used to determine at least one response messagethat the machine sends to the mobile device. In circumstances where theat least one query response message indicates that the user's requestedtransaction parameters will be accepted, the at least one controllercauses at least one message to be sent to the mobile device indicatingthat the sought transaction (and if applicable associated parameters) isavailable at the machine. Alternatively or in addition, in somearrangements the user of the remote terminal may receive informationthat may enable the remote terminal to communicate wirelessly eitherdirectly or through the wireless interface of the machine, with themobile device of the user to provide communication therewith. Suchcommunication may include communications that enable the operator of themachine or the establishment where the machine is located, to obtainadditional information from the mobile device user about the transactionor transaction parameters being sought. Data communicated through suchmessages may include information which will help the operator of theremote terminal to obtain and evaluate information about the mobileuser's account, situation, the nature of the transaction, or otherinformation that enables the remote terminal user to decide if therequested sought transaction of the mobile device user should befulfilled at the automated banking machine or separately by theestablishment. Of course in response to a determination that the soughttransaction will be fulfilled, the at least one controller of themachine may operate in accordance with its programming to provide themobile device user with the data, information and items like thosepreviously described so as to enable the user to travel to the machineand/or the establishment and accomplish the sought transaction function.

In other exemplary embodiments, the controller 498 may operate to enablecommunication with remote terminals operated by the individualsresponsible for the establishment in which the machine is located, inresponse to an inability of the controller to make a productavailability determination. For example, in some exemplary arrangementswhere the sought product information included in wireless messages doesnot correspond to available product data in the at least one data store,the controller may operate to send at least one query message to aremote terminal associated with the operator of the establishment todetermine if a substitute for the sought product of the mobile deviceuser is available in the establishment. Alternatively or in addition, ifthe sought product is available in the establishment as indicated bystored product availability data associated with the controller, but theavailable product data does not correspond to the mobile device user'ssought product parameters, the controller operates to send one or morequery messages including this information to a remote terminalassociated with the entity responsible for operation of theestablishment.

The operator of the remote terminal may review this information includedin the at least one query message from the at least one controller andmay provide from the terminal responsive thereto, at least one queryresponse message. The query response message may cause the controller tooperate to indicate to the mobile device that the sought product will bemade available in the establishment. Alternatively, the query responsemessages may include alternatives that cause the controller to sendwireless messages to the device that describe alternative products orproduct parameters that the establishment is prepared to offer.Alternatively or in addition, communication may be established betweenthe remote terminal and the user's mobile device either through thewireless interface of the machine or directly based on informationincluded in the at least one query message. Such communication mayenable the user of the remote terminal to obtain additional informationor other data which enables the operator of the establishment to make adetermination as to whether the sought product can be provided under thesought product parameters of the mobile device user and/or whether themobile device user may be willing to accept a substitute availableproduct or substitute parameters from the operator of the establishment.

As can be appreciated, exemplary arrangements may enable the user of amobile device to use the device to look for transactions or products atparticular fees and prices, and/or under particular conditions, andobtain those things through an automated banking machine orestablishments where such machines are located as the user travels inproximity to such machines and locations. Of course it should beunderstood that these approaches are exemplary and in other embodimentsother or different approaches may be used.

A further exemplary embodiment of an automated banking machine 510 isschematically represented in FIG. 33 . The automated banking machine 510may include features and devices similar to those previously describedexcept as otherwise mentioned herein. The exemplary automated bankingmachine 510 may be used for carrying out transactions of the typespreviously discussed at a transaction user interface area 512. Interfacearea 512 of the exemplary embodiment may include items for communicatingwith a user during transactions such as a display, key pad, mid-airhaptics device, card reader, acceptor slot, printer delivery slot, cashaccepting slot, cash delivery slot, check accepting slot or otherappropriate interface elements for carrying out transactions with users.

Exemplary automated banking machine 510 further includes additionalvisual displays 514 and 516. In the exemplary embodiment, these visualdisplays are provided for purposes of facilitating activities byindividuals who carry mobile devices and wearable computers that do nothave visual displays and/or which may not have visual displays of asuitable size or configuration to carry out certain types of desiredfunctions. The exemplary automated banking machine includes one or morewireless interfaces that are suitable for communicating with such mobiledevices and which can facilitate the use of such devices or multipledevices that are carried by multiple users.

For example in some exemplary arrangements mobile devices may include adevice such as a watch-like wearable computer, pendant or other mobilecomputing device that includes no visual display or only a small visualdisplay. Bringing such a mobile device in proximity with a display suchas display 514 causes the automated banking machine to operate inaccordance with its programming to prompt the user to provide an inputif they wish to utilize the display on the machine in connection withtheir device. In the exemplary arrangement the displays comprise touchscreen displays which enable a user to select whether they wish toutilize the display or not. By selecting an option presented through thedisplay to connect to the mobile device, the mobile device can thenpresent a user interface to the user through the display which providesmultiple options and selections to the user. The user can then interfacewith their mobile device through the touch screen display on theautomated banking machine. Further in exemplary arrangements theinterface may also provide outputs from remote sources such as outputsproduced by various Internet or other network connections that the useris able to make through their mobile device. Thus the user is able toutilize their mobile device while using the display in connection withthe automated banking machine as the input and output user interface forthe mobile device.

Further in exemplary embodiments the automated banking machine mayprovide a printer which enables the user of the mobile device to printan item selected via the particular interface that is output through thedisplay. The printer of the automated banking machine may deliver to theuser the printed information that they have caused to be selectedthrough or presented on the display. The automated banking machine mayinclude one or more printer outlets 518 for this purpose. Further inexemplary embodiments the automated banking machine may operate inaccordance with its programming to charge the user for use of theprinting function or for other functions that a user may choose toexecute when using the display interface provided on the machine. Forexample if a user uses the display interface in order to request thatfunds be added to a mobile wallet associated with the mobile device, theautomated banking machine terminal controller may operate in response tothe user's selected inputs to cause data representative of value to beincluded in the mobile wallet and to cause communications withappropriate networks so as to cause the user's account to be charged.Alternatively or in addition the automated banking machine may operateto cause money to be transferred to or from stored value accountsassociated with the user's mobile device. Of course these approaches areexemplary and in other embodiments other approaches may be used.

In addition when the automated banking machine is located at a merchantestablishment, provision may be made to have user interfaces whichprovide visual outputs from user mobile devices and which can receiveuser inputs to such devices located in other devices within theestablishment. For example in some arrangements the automated bankingmachine may be located in a coffee shop or restaurant environment inwhich there are tables with input/output devices such as surfacecomputers or table top supported terminals 520. The terminals 520 maycomprise input and output devices which communicate with a user's mobiledevice and enable the user to employ the terminal of the table orsimilar structure as the display and input device for the mobile device.

In still other exemplary embodiments the displays in operativeconnection with the automated banking machine may be usable for purposesof facilitating transfers of value between mobile devices of multipleusers. When mobile devices of users do not have suitable displays suchas certain wearable computers, visual outputs may be presented to theuser's mobile devices on the displays in communication with theautomated banking machine. In situations where a user wishes to transfervalue from a stored value account or other account, to another user whohas a mobile device, both users may bring their devices in proximity toa touch screen display associated with the automated banking machine. Insuch circumstances, devices may communicate with the machine to provideoutputs through the display and the users may provide inputs so as touse the interface presented by the machine for communication with one orboth devices. In such circumstances the display may be used to provideinputs and receive outputs to cause value to be transferred from onedevice to another and/or to the accounts of the respective users. Thusfor example if a user of a mobile device wishes to transfer funds to auser of another mobile device, they may do so using the interfaceprovided on or through communication with the automated banking machine.Further in exemplary embodiments the automated banking machine mayinclude encryption features or other security features that help toassure that the communication of the messages which communicate thevalue or cause the value to be transferred are secured in a manner thatis more effective than occurs when mobile devices communicate directly.Such encryption functions may be controlled or initiated through inputsprovided to the displays that are connected to the automated bankingmachine. For example the automated banking machine may have itscontroller operate in accordance with its programming to provide tomobile devices, one-time session keys and/or encryption keys that areusable to provide communication on a secure basis between the mobiledevices while they are operated in connection with the automated bankingmachine. Thus the automated banking machine may provide additional valuethat facilitates the carrying out of transactions between wearablecomputers, particularly such computers that do not include suitablylarge user displays or input devices.

Further in exemplary embodiments the automated banking machine 510 maybe utilized for purposes of providing electronic tokens to wearablecomputers that can be used as a substitute for account numbers oraccount verification data in connection with carrying out financialtransactions. For example it may be desirable in some transactionarrangements to use a token which can be used by a remote computersystem to resolve a user's account number, rather than the actualaccount number for purposes of carrying out transactions. In additiontokens may also be provided for other data such as data corresponding tobiometric data, PIN numbers or other values which a user may not want tohave available in transmissions which could be intercepted or utilizedby unauthorized persons if they are stored in a mobile device that islost or stolen.

The exemplary automated banking machine operates in accordance with itsprogramming to provide one or more tokens to users which can be storedin a user's mobile device. For example the automated banking machine mayoperate to receive a user's credit or debit card data as well as a PINnumber, biometric data, cryptogram or other data that authenticates theidentity of the user and/or the card. In response to the user providinginputs through the automated banking machine indicating that the userwishes to receive a token for a mobile device, the automated bankingmachine operates in accordance with its programming to communicate witha remote transaction system. The remote transaction system verifies theauthenticity of the card data and PIN or other data to determine thatthe user data and/or card data corresponds to an authorized user. Inresponse to messages corresponding to token data from the remote system,the automated banking machine may then deliver through the wirelessinterface, a token that is stored in the memory of the user's mobiledevice. This may be accomplished response to a software application thatoperates on the mobile device that encrypts the receipt and storage ofthe token and/or other data. As can be appreciated, the tokencorresponds to data which a remote transaction system may receive,validate and associate with the user's account data. However, the tokendata has no relationship to the user's account data and thus if thetoken data is compromised, the user's account number is not obtained.Thus in exemplary arrangements once the user has received token data andstored it on their mobile device, the user can conduct transactions ontheir account using the token data in communications directly with thetransaction system without transmitting their account number directly.

In other exemplary embodiments the automated banking machine may alsooperate to dispense token data corresponding to parameters other than auser's account number. This may include for example, token datacorresponding to a user's biometric data, which token data may be storedin a user's mobile device. Such data may be sent from the mobile deviceto a separate device or system in lieu of actual biometric data when itis required for purposes of verifying transactions. Alternatively or inaddition the token data may be used and correlated by a remote system tocompare fingerprint data that is scanned either on the user's mobiledevice or at a separate transaction terminal, with the remote systemstored data so as to verify the user. Using a token stored on the mobiledevice instead of the biometric data itself produces the risk ofcompromise of the data. Alternatively or in addition, an automatedbanking machine may operate to deliver computer executable instructionsthat enable the mobile device to perform other functions. This mayinclude, for example, instructions and/or data used for the calculationof cryptograms or other values that can be used for authentication orother purposes when performing transactions.

Once the token and/or instruction data is loaded to the mobile device,the device may be operated to conduct transactions using the token dataand/or other data. For example in some arrangements, the mobile devicemay be operated to conduct transactions by wireless communication with aremote computer system that operates to correlate the token data withaccount data. The user may communicate instructions from the mobiledevice to cause financial transfers which communication causes theremote computer system to carry out the transaction in accordance withthe user's instructions.

In some arrangements, the user may utilize their mobile device tocommunicate token data (and other required data) to an automated bankingmachine. Such machines may include, for example, a cash dispenser, apoint of sale terminal or other terminal type. In such arrangements, themobile device may provide the token data to the terminal. The terminalwill operate to present the transaction messages to systems that canauthorize the requested transaction using the token data rather than theactual account data. The terminal operates to communicate transactionmessages using the token data as the account identifier. The terminalmay communicate with one or more remote computers or systems thatcorrelate the token data with the corresponding account data. The remotecomputer or system is then operative to authorize or deny the requestedtransaction based on stored account information and to provideappropriate return messages to the terminal. Further in exemplaryarrangements, the mobile device may operate in accordance with itsprogramming to provide other data as required by the terminalapplication to authenticate the desired transaction. This may includevalues such as account type identifiers, application identifiers,cryptograms, keys, prior transaction data, transaction velocity data,biometric data or other data required to be delivered in order torequest authorization to carry out the particular transactions. This mayinclude in some arrangements, different types of values and data fordifferent types of transactions. In some arrangements, the values anddata may vary with the transaction type being requested such as debit,credit, stored value or other types of transactions. The mobile devicemay operate to provide the additional values and data as required forthe requested transaction in addition to the token data. Furtherexemplary arrangements may have common token data linked to multipledifferent accounts in one or more remote computer systems so that thedata provided by the mobile device also indicates an account or anaccount type which is linked for purposes of carrying out a currentlyrequested transaction. This enables the token data to be securelyutilized to conduct transactions on any one of numerous user selectableaccounts or account types. The linking data for such accounts may insome arrangements be provided through user inputs received throughoperation of the automated banking machine during the user transactionsession during which the token data is delivered. In other arrangements,the linking to additional accounts may be carried out in subsequentwireless communications between the mobile device and the computersystem that links token data to account data. Such linking may beaccomplished by a user input to the mobile device and a user interfaceprovided by the remote system. Of course such communications should beappropriate secured to reduce the risk of unauthorized interception.Further in some exemplary arrangements, such communications based onuser inputs to the mobile device may enable the remote system todiscontinue linking the token data to a particular user selectedaccounts.

Some exemplary remote computer systems may automatically and/or inresponse to user action, modify the token data. This may be done eitherperiodically or after a set number of transactions or after eachtransaction to reduce the risk of unauthorized transactions using thetoken data. Further in some exemplary arrangements, the system whichoperates to link the token data to account data and/or operates tochange token data, may be operated in conjunction with a system thatallows the user to selectively enable and/or disable their account oraccounts via inputs through their mobile device such as described in theincorporated patent disclosures. For example, the remote system may sendmessages and/or data to the mobile device that operates in accordancewith the application instructions therein to change the token data thatis stored in the mobile device (and by the remote computer whichcorresponds to the account data). This may be done, for example, eachtime the account is enabled subsequent to being disabled by a userthrough inputs to their mobile device. In some arrangements, themessages from the remote system may cause the new token data to beresolved through operation of the mobile device based at least in parton existing stored token data. In this way, the interception of themessages to the mobile device that are operative to cause the existingtoken data to be modified will not result in disclosure of the new tokendata. Alternatively in some arrangements, the new token data entirelyreplaces existing token data and may be securely transmitted to themobile device. Of course these approaches are exemplary and alternativeapproaches may be used.

Further in other exemplary arrangements the automated banking machinemay be utilized to help users to avoid fraudulent transactions that maybe conducted via other methods. For example a user may prefer to ordergoods or services by phone or using a personal computer which uses onlythe user account data and card data which can be read from a card orinput through a keypad or other input device. Such transactions wherethe actual card is not presented to the merchant or a merchant'stransaction terminal, can present risks because the data that is storedon a chip associated with a genuine card is not available to verify thatthe card is genuine. This is because in a transaction that is carriedout either on the phone or at a PC or other terminal that cannot readthe data from the chip on the card or communicate with the chip, onlythe visible data on the card can be used in connection with presentingthe transaction.

Exemplary embodiments of automated banking machines may operate toprovide the user with additional information or capabilities that can beused in transactions that are conducted with merchants when the card isnot present. This may include, for example, the automated bankingmachine operating to verify the authenticity of the user's cardincluding chip data included on the card. The user may also beauthenticated by other factors such as the user's PIN, biometricidentifiers or other data. With the user and their card authenticated,the terminal may operate to provide the user with an additionalauthenticating factor or a device that can provide such a factor thatcan be used when transactions are conducted with a merchant where thecard is not physically presented to the merchant. In some arrangementsthis may include an additional secret code that is provided to the userfrom the automated banking machine. The code data may be provided by themachine in the form of a visual output, a printed document or other formof output. In some alternative arrangements, the automated bankingmachine may operate to send a secret code or similar data to a mobiledevice through a wireless portal of the machine. Alternatively or inaddition, the machine may operate to electronically send the secret codeto the user such as via a text message sent to a phone number that isinput by the user or to another network address selected by the usersuch as an email address. The secret code may be stored in a remotesystem accessible by merchants for use in connection with transactionsthat are conducted by a merchant when the card is not present. Thus forexample if the user places an order for goods on the phone or through aPC, the user can additionally provide the secret code in addition to thedata on the card so as to further authenticate the transaction asauthorized. Alternatively in some embodiments the machine may providethe user with an article in a manner like that previously discussed,which article can output data which can be used as an additionalauthenticating factor.

For example in some arrangements, the machine may include a transactionselection option that provides the user with a unique value that can belater presented during a phone transaction that is carried out by theuser with a merchant involving the same card based account. The valuemay correspond for example to a token value that has no relationship tothe account data such as a random generated value that is correlated inone or more data stores of remote systems with the account data. Thetoken data may be accessed by a merchant system at the time the laterphone transaction is requested by the user. The token value can bereceived by the merchant via phone communication with the user so thatthe merchant may verify that the transaction is authorized. In somearrangements the token data may be used for one transaction and onceutilized on one occasion by a merchant may be deleted from the remotesystem automatically. In other arrangements, the token value may beutilized for a number of phone or other transactions carried out wherethe physical card is not present. Alternatively or in addition, suchvalue may be utilized for transactions conducted during a defined timeperiod or up to a cumulative total value of transactions.

Alternatively and/or in addition, in some systems token values may beissued that can be resolved as authorized without access to stored datafrom the system that issued the token. For example, in somearrangements, token values may correspond to account data, user namedata, card validation data, expiration date data, card issuer data orcombinations thereof that are encrypted using a public key of apublic/private key pair through operation of the system which issues thetoken. A merchant who is to conduct “card not present” transactions mayhold the corresponding private key and utilize it to resolve theencrypted token data or confirm that certain other data that is providedby the customer corresponds to the data provided. In this way, themerchant who receives the token data can compare the resolved data orother values to data provided by the user in connection with thetransaction. The fact that the data corresponds with the transactionwhere the card is not present is an indication that the transaction isconducted by an authorized user. Of course these approaches areexemplary.

Alternatively and/or in addition, if a user normally conductstransactions such as purchase transactions by phone, when using theautomated banking machine to receive transaction authenticatingcredentials for use in future “card not present” transactions, the usermay be requested to provide an input to the automated banking machine ofa spoken code word that the user will use in connection withtransactions that are conducted in the future by phone. The automatedbanking machine may operate in accordance with its programming tocommunicate data corresponding to the code word and/or a voice print tothe remote transaction system. The data is then securely stored inmemory. When the user later wishes to place an order for goods viatelephone, the communications by phone may include the user presentingthe code word verbally to the order system in addition to data that isread from the card. This code word and/or voice data from the user isthen compared to the stored data for correspondence. This provides anadditional authenticating factor that the merchant receiving the ordercan use to have higher assurance that the transaction being presented bythe user is authorized. Of course these are but examples of things thatan automated banking machine may provide as additional authenticatingfactors to help assure that transactions requested of a merchant incircumstances where the card is not present at the merchant location,are not fraudulent.

Thus the exemplary embodiments achieve improved operation, eliminatedifficulties encountered in the use of prior devices and systems, andattain the useful results described herein.

In the foregoing description certain terms have been used for brevity,clarity and understanding. However, no unnecessary limitations are to beimplied therefrom because such terms are used for descriptive purposesand are intended to be broadly construed. Moreover, the descriptions andillustrations herein are by way of examples and the invention is notlimited to the features shown and described.

Further in the following claims any feature described as a means forperforming a function shall be construed as encompassing any means knownto those skilled in the art as being capable of carrying out the recitedfunction and shall not be deemed limited to the particular means shownor described for performing the recited function in the foregoingdescription or mere equivalents thereof.

It should be understood that features and/or relationships associatedwith one embodiment can be combined with features and/or relationshipsfrom another embodiment. That is, various features and/or relationshipsfrom various embodiments can be combined in further embodiments. Theinventive scope of the disclosure is not limited to only the embodimentsshown or described herein.

It should be understood that language which refers to a list of itemssuch as “at least one of A, B, or C” (example 1) means “at least one ofA, B and/or C.” Likewise, it should be understood that language whichrefers to a list of items such as “at least one of A, B, and C” (example2) means “at least one of A, B and/or C.” The list of items in example 2is not required to include one of each item. The lists of items in bothexamples 1 and 2 can mean “only one item from the list or anycombination of items in the list.” That is, the lists of items (in bothexamples 1 and 2) can mean only A, or only B, or only C, or anycombination of A, B, and C (e.g., AB, AC, BC, or ABC).

The term “non-transitory” with regard to computer readable medium isintended to exclude only the subject matter of a transitory signal perse, where the medium itself is transitory. The term “non-transitory” isnot intended to exclude any other form of computer readable media,including, but not limited to, media comprising data that is onlytemporarily stored or stored in a transitory fashion. Should the lawchange to allow a computer readable medium itself to be transitory, thenthis exclusion is no longer valid or binding.

Having described the features, discoveries and principles of theexemplary embodiments, the manner in which they are constructed andoperated and the advantages and useful results attained, the new anduseful structures, devices, elements, arrangements, parts, combinations,systems, equipment, operations, methods, processes and relationships areset forth in the appended claims.

We claim:
 1. Apparatus comprising: a wearable device that is operable bya user to cause a financial transfer, wherein the wearable deviceincludes at least one lens, wherein the at least one lens enables a userwearing the device to visually perceive when looking through the atleast one lens, physical surroundings in a direct field of view of theuser, at least one display, wherein the at least one display is operableto provide visual outputs that are visually perceivable by the user whenlooking through the at least one lens, wherein the user is enabled toperceive simultaneously when looking through the at least one lens thephysical surroundings in the direct field of view and the visualoutputs, at least one user actuatable input device, a wirelesstransceiver, at least one circuit including a processor, wherein the atleast one circuit is in operative connection with the at least onedisplay, the at least one input device, the wireless transceiver,wherein the at last one circuit is operative responsive at least in partto at least one input through the at least one input device to cause thewireless transceiver to communicate at least one device wirelessmessage, wherein the at least one device wireless message includes datausable to identify a financial account associated with the user, whereinat least one remote circuit is operative responsive at least in part tothe at least one device wireless message, to cause a financial transferat least one of to or from the financial account.
 2. The apparatusaccording to claim 1 wherein the financial transfer is carried outresponsive at least in part to operation of an automated banking machinethat is within the direct field of view of the user.
 3. The apparatusaccording to claim 1 wherein the wearable device includes at least oneinward facing camera, wherein the at least one inward facing camera isoperative to capture data corresponding to at least one user identifyingbiometric feature of the user, wherein the at least one inward facingcamera is in operative connection with the at least one circuit, whereinthe at least one circuit is operative responsive at least in part to thecaptured data to determine that the user is authorized to operate thewearable device to carry out the financial transfer, wherein the atleast one device wireless message is sent responsive at least in part tothe determination.
 4. The apparatus according to claim 1 wherein the atleast one input device includes at least one of a microphone, an inwardfacing camera, and a tactile sensing bar.
 5. The apparatus according toclaim 1 wherein the at least one input device includes at least oneinward facing camera, wherein the at least one inward facing camera isin operative connection with the at least one circuit, wherein the atleast one circuit is operative to determine responsive at least in partto the at least one inward facing camera, at least one of a user eyemovement, a user line of sight, and a user eye blink.
 6. The apparatusaccording to claim 1 wherein the wearable device further includes atleast one outward facing camera, wherein the at least one outward facingcamera is in operative connection with the at least one circuit, whereinthe at least one outward facing camera is operable to capture checkimage data corresponding to an image of a financial check, wherein theat least one wireless message includes data corresponding to the checkimage data.
 7. The apparatus according to claim 1 wherein the wearabledevice further includes at least one outward facing camera, wherein theat least one outward facing camera is in operative connection with theat least one circuit, wherein the at least one outward facing camera isoperable to capture item image data corresponding to an image of anitem, wherein the at least one wireless message includes datacorresponding to the item image data.
 8. The apparatus according toclaim 1 wherein the financial transfer is carried out responsive atleast in part to operation of an automated banking machine that iswithin the direct field of view of the user, wherein the automatedbanking machine is operative to make cash available to the user.
 9. Theapparatus according to claim 1 wherein the at least one circuit is inoperative connection with at least one data store, wherein the at leastone data store includes pseudo-data usable by a remote circuit toidentify the financial account, wherein the at least one device wirelessmessage includes data corresponding to the pseudo-data.
 10. Theapparatus according to claim 1 wherein the at least one input deviceincludes at least one inward facing camera, wherein the at least oneinward facing camera is in operative connection with the at least onecircuit, wherein the at least one circuit is operative responsive atleast in part to the at least one inward facing camera to detect atleast one of a user eye movement, a user line of sight, and a user eyeblink, wherein the at least one circuit is operative to cause at leastone transaction selection option to be displayed to the user by the atleast one display, and to determine at least one user selectedtransaction option responsive at least in part to the detected at leastone user eye movement, user line of sight and user eye blink.
 11. Theapparatus according to claim 1 wherein the wearable device furtherincludes at least one outward facing camera, wherein the at least oneoutward facing camera is in operative connection with the at least onecircuit, wherein the at least one outward facing camera is operative tocapture image data corresponding to an image of indicia on an automatedbanking machine in the direct field of view of the user, wherein the atleast one device message includes data corresponding to the capturedimage data, wherein the financial transfer is carried out responsive atleast in part to operation of the automated banking machine.
 12. Theapparatus according to claim 1 wherein the wearable device furtherincludes at least one outward facing camera, wherein the at least oneoutward facing camera is in operative connection with the at least onecircuit, wherein the at least one outward facing camera is operative tocapture image data corresponding to an image of indicia on an automatedbanking machine in the direct field of view of the user, wherein the atleast one device message includes encrypted data, wherein the encrypteddata is encrypted responsive at least in part to the captured imagedata, wherein the financial transfer is carried out responsive at leastin part to operation of the automated banking machine.
 13. The apparatusaccording to claim 1 wherein the wearable device further includes atleast one outward facing camera, wherein the at least one outward facingcamera is in operative connection with the at least one circuit, whereinthe at least one outward facing camera is operative to capture imagedata corresponding to an image of indicia on an automated bankingmachine in the direct field of view of the user, wherein the indicia isusable to identify the particular automated banking machine, wherein theat least one device message includes data corresponding to the capturedimage data, wherein the financial transfer is carried out responsive atleast in part to operation of the automated banking machine.
 14. Theapparatus according to claim 1 wherein the wearable device furtherincludes at least one outward facing camera, wherein the at least oneoutward facing camera is in operative connection with the at least onecircuit, wherein the at least one outward facing camera is operative tocapture image data corresponding to an image of indicia on an automatedbanking machine in the direct field of view of the user, wherein theindicia includes at least one visible output through a machine displayof the automated banking machine, wherein the at least one devicemessage includes encrypted data, wherein the encrypted data is encryptedresponsive at least in part to the captured image data, wherein thefinancial transfer is carried out responsive at least in part tooperation of the automated banking machine.
 15. The apparatus accordingto claim 1 wherein the wearable device further includes at least oneoutward facing camera, wherein the at least one outward facing camera isin operative connection with the at least one circuit, wherein the atleast one outward facing camera is operative to capture image datacorresponding to an image of indicia on at least one of a credit card ora debit card in the direct field of view of the user, wherein the atleast one device message includes data corresponding to the capturedimage data.
 16. The apparatus according to claim 1 wherein the wearabledevice further includes a wireless reader, wherein the wireless readeris in operative connection with the at least one circuit, wherein thewireless reader is operative to wirelessly receive data associated withthe financial account from at least one article, wherein the at leastone device message includes data having a corresponding relationship tothe received data.
 17. The apparatus according to claim 1 wherein the atleast one display is operative to provide at least one visual outputthat corresponds to a virtual item of value being provided to or beingprovided from the user, wherein the virtual item of value has nophysical constituents but is visually perceivable by the user lookingthrough the at least one lens.
 18. The apparatus according to claim 1wherein the at least one display is operative to provide at least onevisual output that corresponds to a virtual item of value being that isperceivable by the user as being provided to the user from a physicalautomated banking machine in the direct field of view of the user,wherein the virtual item of value has no physical constituents but isvisually perceivable through the at least one display.
 19. The apparatusaccording to claim 1 wherein the wearable device further includes atleast one outward facing camera, wherein the at least one outward facingcamera is in operative connection with the at least one circuit, whereinthe at least one display is operative to provide at least one visualoutput that corresponds to a virtual item of value having no physicalconstituents but that is visually perceivable by the user when lookingthrough the at least one lens, being provided to or being provided fromthe user, and the virtual item of value being moved by the user's handresponsive at least in part to image data corresponding to movement ofthe user's hand captured by the at least one outward facing camera. 20.The apparatus according to claim 1 wherein the wearable device furtherincludes at least one outward facing camera, wherein the at least oneoutward facing camera is in operative connection with the at least onecircuit, wherein the at least one display is operative to provide atleast one visual output that corresponds to a virtual item of valuehaving no physical constituents but that is visually perceivable by theuser when looking through the at least one lens, being provided to orbeing provided from the user, wherein the virtual item of valuecomprises at least one of a virtual currency bill, a virtual receipt, avirtual event ticket, a virtual gaming item, a virtual transit ticket, avirtual facility access ticket and a virtual access code bearing item,and the virtual item of value being engaged by the user's handresponsive at least in part to image data corresponding to the user'shand captured by the at least one outward facing camera.
 21. Theapparatus according to claim 1 and further comprising a virtual realityglove wearable by the user, wherein the glove is in operative connectionwith the at least one circuit, wherein the at least one display isoperative to provide at least one visual output that corresponds to avirtual item of value having no physical constituents but that isvisually perceivable by the user looking through the at least one lens,being provided to or being provided from the user, and the virtual itemof value being engaged with the user's hand which has the glove thereon,wherein the glove provides the user with a tactile sensationcorresponding to manual engagement with the virtual item of value. 22.The apparatus according to claim 1 and further comprising at least oneultrasonic transducer, wherein the at least one ultrasonic transducer isin operative connection with the at least one circuit, wherein the atleast one display is operative to provide at least one visual outputthat corresponds to a virtual item of value having no physicalconstituents but that is visually perceivable by the user lookingthrough the at least one lens, being provided to or being provided fromthe user, wherein the at least one ultrasonic transducer provides theuser's hand with a tactile sensation corresponding to manual engagementwith the virtual item of value.
 23. The apparatus according to claim 1wherein the at least one display is operative to provide at least onevisual output that corresponds to a virtual automated banking machineand a virtual item of value being provided to the user from the virtualautomated banking machine, wherein the virtual item of value has nophysical constituents but is visually perceivable by the user lookingthrough the at least one lens.
 24. The apparatus according to claim 1wherein the wearable device further includes at least one outward facingcamera wherein the at least one outward facing camera is in operativeconnection with the at least one circuit, wherein the at least onedisplay is operative to provide at least one visual output thatcorresponds to a virtual item of value having no physical constituentsbut that is visually perceivable by the user looking through the atleast one lens, being provided from the user, the virtual item of valuebeing moved by the user's hand responsive at least in part to image datacorresponding to the user's hand captured by the at least one outwardfacing camera, and the virtual item of value being taken from the user'shand by another hand of another person in the direct field of view ofthe user, wherein another wearable device through which the anotherperson is enabled to visually perceive the virtual item of value iswearable by the another person.
 25. Apparatus comprising: a wearabledevice that is operable by a user to cause a financial transfer, whereinthe wearable device includes user wearable glasses, wherein the glassesinclude at least one transparent display, wherein the at least onedisplay is operable to provide visual outputs that are visuallyperceivable by the user, wherein the user is enabled to view through theat least one display physical items and the visual outputs, at least oneuser actuatable input device, a wireless transceiver, at least onecircuit including a processor, wherein the at least one circuit is inoperative connection with the at least one display, the at least oneinput device, the wireless transceiver, wherein the at least one circuitis operative responsive at least in part to at least one input throughthe at least one input device to cause the wireless transceiver tocommunicate at least one device wireless message, wherein the at leastone device wireless message includes data usable to identify a financialaccount associated with the user, wherein the at least one devicewireless message is operative at least in part, to cause a financialtransfer at least one of to or from the financial account.
 26. Theapparatus according to claim 25 wherein the at least one device wirelessmessage is operative to cause at least in part, the financial transferto be carried out at least in part through operation of an automatedbanking machine that is viewable by the user.
 27. Apparatus comprising:a wearable device that is operable by a user to cause a financialtransfer wherein the device includes at least one transparent structure,wherein the at least one transparent structure enables the user wearingthe device to visually perceive through the at least one transparentstructure physical surroundings in a direct field of view of the user,at least one display, wherein the at least one display is operable toprovide outputs that are visually perceivable by the user when lookingthrough the at least one transparent structure, wherein the visualoutputs and the physical surroundings are perceivable by the userlooking through the at least one transparent structure, at least oneinput device, wherein the at least one input device is activatable bythe user, a wireless transceiver, at least one circuit, wherein the atleast one circuit is in operative connection with the at least onedisplay, the at least one input device, the wireless transceiver,wherein the at least one circuit is selectively operative to cause thewireless transceiver to communicate at least one device wirelessmessage, wherein responsive at least in part to the at least one devicewireless message, at least one remote circuit is operative to cause afinancial transfer at least one of to or from a financial account. 28.The apparatus according to claim 27, wherein the at least onetransparent structure comprises at least one lens, wherein the at leastone device wireless message includes data usable to identify thefinancial account.